| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS STE. 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 2.35% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 0.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS #2010 NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 8.23% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (NORTHEAST) | 1185 AVE OF THE AMERICAS,SUITE 2010 NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 5.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS #2010 NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 8.10% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.90% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $375 | — | $375 | 1.78% |
| ADVANBEN MIDATLANTIC, LLC3 Filed as: ADVANBEN | ONE BELMONT AVE., STE. 304 BALA CYNWYD, PA 190041604 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 8.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVE. OF THE AMERICAS, STE. 201 NEW YORK, NY 100362601 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 7.07% |
| HUMANA MARKETPOINT INC3 Filed as: HUMANA MARKETPOINT INC. | 500 W. MAIN, NCT 28 LOUISVILLE, KY 402022946 | KANAWHA INSURANCE COMPANY | $75 | — | $75 | 0.38% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 080375116 | KANAWHA INSURANCE COMPANY | $25 | — | $25 | 0.13% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 345 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $131K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 147 | $21K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 120 | $20K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 345 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 147 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.