| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 25900 WEST ELEVEN MILE RD SOUTHFIELD, MI 48034 | GUARDIAN | $22K | — | $22K | 7.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN | $1K | $4K | $5K | 1.82% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN | $3K | — | $3K | 1.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN | $2K | $306 | $2K | 5.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 25900 WEST ELEVEN MILE RD SOUTHFIELD, MI 48034 | GUARDIAN | $1K | — | $1K | 3.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 9.95% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | AFLAC | $2K | $274 | $2K | 15.55% |
| JANELLE MARIE GADOMSKI3 | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $1K | — | $1K | 10.17% |
| RYAN G SMITH3 | 415 GRACE RD TROY, AL 36081 | AFLAC | $1K | — | $1K | 8.00% |
| DESMOND MURRY3 | 30 TOWER LN CLAYTON, AL 36016 | AFLAC | $557 | $15 | $572 | 4.25% |
| CHAMCO LLC3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $407 | — | $407 | 3.02% |
| CARLY DYSARD3 | 506 JOHNSON ST BRUNDIDGE, AL 36010 | AFLAC | $370 | — | $370 | 2.75% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $137 | — | $137 | 1.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | AFLAC | $69 | — | $69 | 0.51% |
| LORENA GILER LOPEZ3 Filed as: LORENA GILER-LOPEZ | 7784 271ST ST NEW HYDE PARK, NY 11040 | AFLAC | $45 | — | $45 | 0.33% |
| HOLLY L SLAUGHTER3 | 120 MADALYN LN TROY, AL 36079 | AFLAC | $7 | — | $7 | 0.05% |
| THE HORTON GROUP3 Filed as: MEGHAN HORTON BOWEN | 431 PARKERSONS WAY AUBURN, AL 36832 | AFLAC | $7 | — | $7 | 0.05% |
| KELVIN MICHAEL RICE3 | 623 WESTBROOK RD DOTHAN, AL 36303 | AFLAC | $5 | — | $5 | 0.04% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $2 | — | $2 | 0.01% |
| JIMMY C LUNSFORD3 | 100 INDUSTRIAL BLVD TROY, AL 36081 | AFLAC | $2 | — | $2 | 0.01% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | AFLAC | $426 | — | $426 | 24.96% |
| LORENA GILER LOPEZ3 | 7784 271ST ST NEW HYDE PARK, NY 11040 | AFLAC | $253 | — | $253 | 14.82% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $101 | — | $101 | 5.92% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $71 | — | $71 | 4.16% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $155 | $0 | $155 | 9.24% |
| NEW CHARTERS LLC4 | PO BOX 8927 ELIZABETH, NJ 07201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $117 | $0 | $117 | 6.98% |
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 | 444 | 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) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | GUARDIAN | 444 | $298K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 315 | $28K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 444 | $298K |
| Short-term disability(4 contracts, 2 carriers) | GUARDIAN | 444 | $332K |
| Long-term disability | GUARDIAN | 444 | $283K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 444 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.