| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $52K | $52K | 6.48% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | HARTFORD LIFE AND ACCIDENT | $9K | $8K | $17K | 2.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 0.46% |
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 0.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KENTUCKY | $7K | $0 | $7K | 0.94% |
| PAUL ROONEY3 | 300 WASHINGTON STREET NEWTON, MA 02458 | DELTA DENTAL OF KENTUCKY | $6K | $0 | $6K | 0.77% |
| LOCKTON COMPANIES, LLC3 | 2 WILLIAM T MORRISSEY BOULEVARD DORCHESTER, MA 02125 | VISION SERVICE PLAN | $6K | $0 | $6K | 5.82% |
| PAUL ROONEY3 | 1 GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.53% |
| IMA, INC.3 | 1 GATEWAY CENTER, SUITE 65 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.65% |
| PAUL ROONEY3 | 1 GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 5.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 3207 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $0 | $3K | 5.85% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER, SUITE 650 NEWTON, WA 02458 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 4.52% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $209 | $209 | 0.43% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS | PO BOX 3207 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $156 | $156 | 0.32% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $3 | $3 | 0.01% |
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 | 597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 7 | $59K |
| Dental | DELTA DENTAL OF KENTUCKY | 1,742 | $776K |
| Vision | VISION SERVICE PLAN | 593 | $98K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,089 | $799K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,089 | $799K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 7 | $59K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,089 | $861K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,742 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.