| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $166 | $20K | 11.10% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 5.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.00% |
| THORSEN GROUP INC3 Filed as: THORSEN GROUP, INC. | 129 ARBOR RIDGE DRIVE WARRINGTON, PA 18976 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $0 | $174 | 1.43% |
| MATTHEW P. ECHELMEIER3 Filed as: MATTHEW P ECHELMEIER | 11 SPUR RD LANSDALE, TX 19446 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $134 | $0 | $134 | 1.10% |
| WENDY MADONNA3 | 4758 MACGREGOR DRIVE SCHWENKSVILLE, PA 19473 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.53% |
| JOHN E LANZETTA3 | 3272 KATIE WAY MECHANICSBURG, PA 17055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.48% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.28% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.14% |
| CATHY GOOD3 Filed as: CATHY GOOD AND ALL OTHER AGENTS | 545 TOM SAWYER ROAD DRIPPING SPRING, TX 78620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.10% |
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 | 86 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $184K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $184K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $196K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $184K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $184K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.