| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-NE | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | UNITEDHEALTHCARE INSURANCE COMPANY | $174K | $0 | $174K | 3.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC (NE) | 65 MEMORIAL RD STE C100 WEST HARTFORD, CT 061072434 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 0.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 65 MEMORIAL RD STE 100 WEST HARTFORD, CT 061074214 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $10K | $10K | 0.17% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK RD STE 3 FARMINGTON, CT 060322571 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 0.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC -HARTFORD | C/O BANK OF AMERICA 76 BATTERSON PARK RD STE 3 FARMINGTON, CT 06032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 12.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $9K | $0 | $9K | 14.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC-HARTFORD | C/O BANK OF AMERICA 76 BATTERSON PARK RD STE 3 FARMINGTON, CT 06032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $598 | $4K | 15.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $195 | $2K | 20.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 57.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 42.55% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $6.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 740 | $29K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $185K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $161K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $161K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.