| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $249K | — | $249K | 11.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA P.O. BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 1.83% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DR. KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $517 | — | $517 | 0.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O/ BANK OF AMERICA P.O. BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 2.74% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWERE DR. KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $736 | — | $736 | 0.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1800 JFK BLVD. PHILADELPHIA, PA 19103 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED VISION CARE | $11K | — | $11K | 9.89% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DR. KIMBERLY, WI 54136 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED VISION CARE | $2K | — | $2K | 1.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 8.26% |
| AHMANN MARTIN3 Filed as: AHMANN & MARTIN CO. | 6000 CLEARWATER DR. MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL. CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.73% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR. MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | $751 | — | $751 | 0.91% |
| DAVID MARTIN AGENCY INC3 Filed as: DAVID A. MARTIN | 6000 CLEARWATER DR. MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | $113 | — | $113 | 0.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA P.O. 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $450 | — | $450 | 1.31% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DR. KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $156 | $156 | 0.45% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DR. KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10 | $10 | — |
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 | 977 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,003 | $2.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED VISION CARE | 1,985 | $112K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 977 | $303K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 977 | $368K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,003 | $2.1M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 977 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,003 | — |
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.