| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD STE 3 FARMINGTON, CT 06032 | UNITED HEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 4.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD STE 3 FARMINGTON, CT 06032 | ANTHEM HEALTH PLANS OF CT, INC | $1K | $0 | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | ANTHEM LIFE INSURANCE COMPANY | $328 | $12 | $340 | 15.48% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ANTHEM LIFE INSURANCE COMPANY | -$26 | $20 | -$6 | -0.27% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 173 | $832K |
| Dental | ANTHEM HEALTH PLANS OF CT, INC | 30 | $21K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 173 | $832K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 10 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.