| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID J MCCLELLAN3 Filed as: DAVID J. MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 4.51% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 4.30% |
| DAVID J MCCLELLAN3 Filed as: DAVID J. MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 8.12% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | UNUM INSURANCE COMPANY | $590 | $971 | $2K | 4.83% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $38 | $0 | $38 | 1.00% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $39 | $0 | $39 | 4.24% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $2.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 603 | $217K |
| Vision | VISION SERVICE PLAN | 305 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 305 | $223K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 305 | $223K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 305 | $223K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $2.7M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 305 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.