| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $911 | $911 | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $2K | $17K | 11.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 44.57% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE # 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 9.32% |
| PLATINUM 1 SOLUTIONS4 | 15871 BURCH ISLAND CT WINTER GARDEN, FL 34787 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $268 | $0 | $268 | 0.93% |
| MASS MUTUAL FINANCIAL GROUP3 Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE | 1295 STATE STREET SPRINGFIELD, MA 01111 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $780 | $2K | 28.06% |
| JOSEPH L DILEO3 | 300 CORPORATE PKWY STE 216N AMHERST, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $138 | $593 | $731 | 10.76% |
| JONATHAN L HOFFMAN3 | 300 CORPORATE PKWY STE 216N AMHERST, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $494 | $25 | $519 | 7.64% |
| RYAN PATRICK MCNULTY3 | 300 CORPORATE PKWY STE 216N BUFFALO, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $494 | $17 | $511 | 7.52% |
| RONALD F MOSKALA3 | 300 CORPORATE PKWY STE 216N AMHERST, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $145 | $145 | 2.13% |
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 | 713 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 709 | $161K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 639 | $166K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,568 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,568 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.