| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291K | $0 | $291K | 6.76% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $0 | $21K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $0 | $6K | 6.22% |
| MITCHELL HENRY BESVINICK3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $0 | $5K | 4.67% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $0 | $4K | 3.78% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $3K | $3K | 3.21% |
| JEFFREY M SINTAY3 Filed as: JEFFREY LLOYD FALLICK | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 2.83% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | METLIFE LEGAL PLANS | $4K | $306 | $4K | 5.45% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 5.13% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $326 | $326 | 0.46% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $0 | $257 | $257 | 0.36% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $180 | $180 | 0.25% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METLIFE LEGAL PLANS | $0 | $90 | $90 | 0.13% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $0 | $9 | $9 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORPORATION | $7K | $0 | $7K | 10.00% |
| JEFFREY M SINTAY3 Filed as: JEFFREY LLOYD FALLICK | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $0 | $5K | 7.50% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 10.05% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $257 | $257 | 0.68% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | METROPOLITAN GENERAL INSURANCE COMPANY | -$814 | $0 | -$814 | -2.17% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | AMALGAMATED LIFE INSURANCE COMPANY | $542 | $0 | $542 | 19.99% |
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 | 7,034 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 9 | $61K |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,057 | $327K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORPORATION | 2,057 | $169K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 8,375 | $4.3M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 8,375 | $4.4M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 8,375 | $4.3M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 9 | $61K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 15,500 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,500 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.