| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 7.21% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RIDGE COLD SPRING, KY 41076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $757 | — | $757 | 0.73% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $463 | — | $463 | 0.45% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY M. DAY AND OTHER AGENTS | 100 WALL STREET 28TH FLOOR NEW YORK, NY 10005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | $0 | $114 | 0.11% |
| ANDREW WAYNE LAMAR3 | 15008 PRAT COURT UNION, KY 41091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.05% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET NEW YORK, NY 10005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| LORENA GILER LOPEZ3 Filed as: LORENA GILER-LOPEZ | 7784 271ST STREET NEW HYDE PARK, NY 11040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.03% |
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 | 322 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 666 | $333K |
| Vision | VISION SERVICE PLAN | 283 | $46K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 322 | $0 |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 322 | $0 |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 322 | $0 |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 397 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.