| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 Filed as: SAUL LOCKER | — | HARTFORD LIFE AND ACCIDENT | — | $439K | $439K | 2.58% |
| ALEXANDER BENEFITS CONSULTING3 | — | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 0.05% |
| SAUL R LOCKER Filed as: SAUL LOCKER | — | HARTFORD LIFE AND ACCIDENT | — | $457K | $457K | 2.85% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | — | FIRST UNUM LIFE INSURANCE COMPANY | $25K | $42K | $67K | 3.19% |
| SAUL R LOCKER Filed as: SAUL LOCKER | — | HARTFORD LIFE AND ACCIDENT | — | $27K | $27K | 1.96% |
| ALEXANDER BENEFITS CONSULTING Filed as: ALEXANDER BENEFITS | — | CIGNA GROUP INSURANCE | $27K | $50K | $77K | 14.31% |
| ACRISURE LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.77% |
| MESIROW INSURANCE SERVICES INC Filed as: MESIROW INSURANCE SERVICES INC. | — | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $30K | — | $30K | 9.75% |
| MAY INSURANCE SERVICES INC Filed as: MAY BONEE AND COMPANY INC. | — | THE STANDARD | $3K | — | $3K | 5.14% |
| MAY INSURANCE SERVICES INC Filed as: MAY BONEE AND COMPANY INC | — | THE STANDARD | $1K | — | $1K | 2.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | — | THE STANDARD | $1K | — | $1K | 2.04% |
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 | 125,441 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 127,712 | $12.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 166,633 | $16.0M |
| Short-term disability(4 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 8,602 | $3.9M |
| Long-term disability(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 74,905 | $18.3M |
| Other(2 contracts, 2 carriers) | HYATT | 125,441 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166,633 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.