| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 | 1099 EIGHTEENTH STREET SUITE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $172K | $172K | 4.00% |
| WEB TPA5 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $44K | — | $44K | 3.62% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE AND ACCIDENT | $39K | — | $39K | 3.19% |
| SAUL R LOCKER3 Filed as: SAUL RICHARD LOCKER | 1099 18TH STREET DENVER, CO 80202 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 4.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DAVID M BROWN | 240 BRADLEY STREET NEW HAVEN, CT 06510 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.40% |
| NEIL G BALLOTTE3 | 6 WILBUR LANE EAST LYME, CT 06333 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.40% |
| JESSE J LISKA3 | 35 TRESS ROAD CHESHIRE, CT 06410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $849 | — | $849 | 0.65% |
| RAYMOND J KUBICK3 | 885 BLACKBERRY HOLLOW ORANGE, CT 06477 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $503 | — | $503 | 0.38% |
| SAUL R LOCKER3 Filed as: SAUL RICHARD LOCKER | 1099 18TH STREET DENVER, CO 80202 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 4.48% |
| ASSOCIATED INSURANCE AGENCIES INC3 | 280 STATE STREET #201 NORTH HAVEN, CT 06473 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 1,049 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 258 | $1.9M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 0 | $8.8M |
| Vision | VISION SERVICE PLAN | 14,758 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,033 | $4.6M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 159 | $4.3M |
| Long-term disability(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,033 | $4.8M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,033 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,758 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.