| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 3.12% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS OF CA INC. | 2300 CONTRA COSTA BLVD, STE 525 PLEASANT HILL, CA 94523 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 1.87% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.54% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS OF CA INC. | 2300 CONTRA COSTA BLVD, STE 525 PLEASANT HILL, CA 94523 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 6.10% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 6.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $124 | — | $124 | 0.73% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS OF CA | STE 525 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | UNUM LIFE NSURANCE COMPANY OF AMERICA | $320 | $0 | $320 | 5.54% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | UNUM LIFE NSURANCE COMPANY OF AMERICA | $99 | $0 | $99 | 1.71% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE NSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE, INC. | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | UNUM LIFE NSURANCE COMPANY OF AMERICA | $10 | $0 | $10 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES, INC | STE N-136 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | UNUM LIFE NSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.12% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $820K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $820K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $820K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $17K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $17K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $17K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.