| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $201K | $21K | $221K | 11.86% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $157K | $61K | $218K | 11.68% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $5 | $9K | 0.46% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM INSURANCE COMPANY | $72K | $24K | $96K | 20.00% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $4 | $3K | 3.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $137 | $2K | 2.23% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $521 | $695 | 0.90% |
| LEONARD INS SVCS AGCY INC3 Filed as: LEONARD INS. SVS. AGENCY INC. | 4244 MOUNT PLEASANT STREET NW SUITE 200 CANTON, OH 44711 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $186 | $0 | $186 | 0.24% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. PANTALAONE & VARIOUS AGENT | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| GERALD L. STATEN3 | PO BOX 9160 CANTON, OH 44711 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 4,914 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 191 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 533 | $2.9M |
| Dental | DELTA DENTAL OF OHIO | 9,993 | $2.6M |
| Vision | COMMUNITY INSURANCE COMPANY | 9,295 | $639K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 2,184 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,362 | $1.9M |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 5,362 | $3.8M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 533 | $2.9M |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 5,362 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,993 | — |
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.