| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$41K | -$41K | -0.17% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 3.14% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 2.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $9K | $11K | 1.89% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12K | $12K | 2.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $8K | $10K | 1.69% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 1.66% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 6.98% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 2.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $5K | $6K | 2.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 4.25% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $3K | $4K | 2.19% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 2.09% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 4.92% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $229 | $2K | $2K | 1.56% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | AMS - LEGACY DIRECT BILL RECEIPT LO PO BOX 736061 CHICAGO, IL 606736061 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116K | — | $116K | 87.24% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE RD NE STE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 10.87% |
| MATTHEW J GLAZER3 | 16 TRUXTON ROAD DIX HILLS, NY 11746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.89% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 6.94% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 2.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $97 | $3K | $3K | 2.21% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.74% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $826 | $826 | 2.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $482 | $45 | $527 | 1.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $332 | $602 | $934 | 2.91% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $734 | $734 | 2.29% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $190 | — | $190 | 29.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7 | $7 | $14 | 2.17% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $14 | $14 | 2.17% |
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 | 2,471 | 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) | 2,479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,783 | $23.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,783 | $23.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,783 | $23.5M |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,481 | $491K |
| Short-term disability(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,471 | $1.0M |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,471 | $769K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,481 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,481 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.