| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 9.14% |
| ZACHARY WISLER3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $2K | $33 | $2K | 4.62% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $1K | $167 | $2K | 3.48% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $804 | $0 | $804 | 1.74% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $337 | $33 | $370 | 0.80% |
| TY SHERWOOD3 | 13965 SOUTH DUPONT HIGHWAY FELTON, DE 19943 | AFLAC | $156 | $0 | $156 | 0.34% |
| MJ INSURANCE3 Filed as: JOHN A. PITUCH AND VARIOUS AGENTS | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $104 | $0 | $104 | 0.22% |
| BILLY J REEDY3 Filed as: BILLY J. REEDY | 319 JOAN DRIVE BEAR, DE 19701 | AFLAC | $45 | $0 | $45 | 0.10% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $2K | $43 | $2K | 5.07% |
| ZACHARY WISLER3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $1K | $9 | $1K | 2.90% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $655 | $0 | $655 | 1.77% |
| MJ INSURANCE3 Filed as: BILLY J.REEDY AND VARIOUS AGENTS | 319 JOAN DRIVE BEAR, DE 19701 | AFLAC | $488 | $0 | $488 | 1.32% |
| SCOTT A. RAPPAPORT3 | 12 FORSYTHIA COURT LAFAYETTE HILL, PA 19444 | AFLAC | $387 | $0 | $387 | 1.05% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $247 | $9 | $256 | 0.69% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $189 | $0 | $189 | 0.51% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $805 | $0 | $805 | 16.39% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $146K |
| Short-term disability(2 contracts) | AFLAC | 70 | $83K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $63K |
| Other(3 contracts, 2 carriers) | AFLAC | 119 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.