| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $152K | $2K | $155K | 2.73% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $20K | $0 | $20K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $12K | $12K | 6.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | $2K | $6K | 17.50% |
| LOCKTON COMPANIES, LLC4 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 17.00% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5729 LEBANON ROAD, SUITE 144/211 FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $599 | $0 | $599 | 4.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $345 | $2K | 12.40% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $662 | $662 | 5.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $199 | $199 | 1.50% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 856 | $5.7M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 856 | $5.7M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 856 | $5.7M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 517 | $330K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 517 | $330K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 517 | $330K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 856 | $5.7M |
| Other(5 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 517 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.