| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS RM 1010 NEW YORK, NY 10001 | AFLAC | $30K | — | $30K | 13.99% |
| JANELLE MARIE GADOMSKI3 | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $22K | — | $22K | 10.40% |
| RYAN G SMITH3 | 415 GRACE RD TROY, AL 36081 | AFLAC | $18K | $242 | $18K | 8.32% |
| DESMOND MURRY3 | 30 TOWER LN CLAYTON, AL 36016 | AFLAC | $8K | $414 | $8K | 3.76% |
| BRIAN E HICKS3 Filed as: BRIAN K CHAMBERS | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $5K | — | $5K | 2.40% |
| CARLY DYSARD3 | 506 JOHNSON ST BRUNDIDGE, AL 36010 | AFLAC | $5K | — | $5K | 2.35% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $2K | — | $2K | 1.04% |
| CHAMCO LLC3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $1K | — | $1K | 0.68% |
| HANNAH ELIZABET JONES3 | 2794 PIKE COUNTRY LAKE RD TROY, AL 36079 | AFLAC | $1K | — | $1K | 0.62% |
| LORENA GILER LOPEZ3 | 7784 271ST ST NEW HYDE PARK, NY 11040 | AFLAC | $654 | — | $654 | 0.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | AFLAC | $533 | — | $533 | 0.25% |
| THE HORTON GROUP3 Filed as: MEGHAN HORTON BOWEN | 8650 MINNIE BROWN RD STE 124 MONTGOMERY, AL 36117 | AFLAC | $33 | — | $33 | 0.02% |
| HOLLY L SLAUGHTER3 | 120 MADALYN LN TROY, AL 36079 | AFLAC | $31 | — | $31 | 0.01% |
| KELVIN MICHAEL RICE3 | 623 WESTBROOK RD DOTHAN, AL 36303 | AFLAC | $21 | — | $21 | 0.01% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $11 | — | $11 | 0.01% |
| JIMMY C LUNSFORD3 | 100 INDUSTRIAL BLVD TROY, AL 36081 | AFLAC | $9 | — | $9 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 25900 WEST ELEVEN MILE RD SOUTHFIELD, MI 48034 | GUARDIAN | $18K | $827 | $19K | 9.80% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN | $6K | $2K | $7K | 3.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN | — | $4K | $4K | 2.26% |
| 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 | $4K | — | $4K | 10.36% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $366 | — | $366 | 0.97% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS RM 1010 NEW YORK, NY 10001 | AFLAC | $4K | — | $4K | 25.93% |
| LORENA GILER LOPEZ3 | 7784 271ST ST NEW HYDE PARK, NY 11040 | AFLAC | $2K | — | $2K | 15.44% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $873 | — | $873 | 6.17% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $610 | — | $610 | 4.31% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 341 | $4.1M |
| Dental(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 419 | $4.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 517 | $38K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 419 | $417K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 419 | $417K |
| Long-term disability | GUARDIAN | 419 | $189K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 341 | $4.1M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 419 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.