| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER Filed as: SAUL LOCKER | — | HARTFORD | — | $532K | $532K | 2.46% |
| SAUL R LOCKER3 Filed as: SAUL LOCKER | — | HARTFORD | — | $724K | $724K | 3.57% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | — | FIRST UNUM LIFE INSURANCE COMPANY | $32K | $56K | $89K | 3.14% |
| SAUL R LOCKER Filed as: SAUL LOCKER | — | HARTFORD | — | — | $0 | 0.00% |
| SAUL R LOCKER3 Filed as: SAUL LOCKER | — | HARTFORD | — | $34K | $34K | 1.96% |
| ONEGROUP NY INC3 | — | SUN LIFE FINANCIAL | $24K | — | $24K | 1.74% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68K | $17K | $84K | 6.25% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $6K | $17K | 1.29% |
| PEOPLE'S UNITED INSURANCE AGENCY | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.52% |
| BENEFIT ADVISORS NETWORK LLC Filed as: BENEFIT ADVISORS NETWORK | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| ONEGROUP NY INC Filed as: ONEGROUP NY INC. | — | SUN LIFE FINANCIAL | $8K | — | $8K | 1.25% |
| ACRISURE LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.64% |
| ONE GROUP NY INC3 Filed as: ONE GROUP | — | SUN LIFE FINANCIAL | $82K | — | $82K | 24.17% |
| CLARK INSURANCE Filed as: CLARK AGENCY LLC | — | THE STANDARD | $2K | — | $2K | 3.37% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES INC. | — | THE STANDARD | $1K | — | $1K | 1.93% |
| MAY INSURANCE SERVICES INC Filed as: MAY BONEE AND COMPANY INC | — | THE STANDARD | $1K | — | $1K | 1.86% |
| MAY INSURANCE SERVICES INC Filed as: MAY BONEE AND COMPANY INC | — | THE STANDARD | $1K | — | $1K | 1.82% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $328 | $3K | 7.83% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $8K | 34.98% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | — | BCS INSURANCE COMPANY | $719 | — | $719 | 8.00% |
| MHA INSURANCE AGENCY4 | — | BCS INSURANCE COMPANY | $449 | — | $449 | 5.00% |
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 | 169,133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 66,820 | $14.8M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD | 24,989 | $3.2M |
| Short-term disability(6 contracts, 5 carriers) | HARTFORD | 2,827 | $3.3M |
| Long-term disability(8 contracts, 5 carriers) | HARTFORD | 180,373 | $49.5M |
| Other(3 contracts, 3 carriers) | HYATT | 133,043 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180,373 | — |
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."
No prospect flags tripped on this filing.