| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTOWN COMPANIES LLC | 8110 E UNION AVE DENVER, CO 80237 | HARTFORD LIFE AND ACCIDENT | $252K | — | $252K | 3.95% |
| KEYARX CAPITAL ADVISORS3 | 101 CRAWFORDS CIRCLE ROAD SUITE #1300 HOLMDEL, NJ 07733 | HARTFORD LIFE AND ACCIDENT | $157K | $66K | $223K | 3.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTOWN COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $24K | $24K | 0.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM INSURANCE COMPANIES, INC | $12K | — | $12K | 0.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE STE 700 DENVER, CO 802372966 | METROPOLITAN LIFE INSURANCE COMPANY | — | $129 | $129 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | P.O. BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $118K | $13K | $131K | 17.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE STE 700 DENVER, CO 802372966 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $129 | $129 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | P.O. BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $87K | $9K | $96K | 18.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE STE 700 DENVER, CO 802372966 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | $129 | $157 | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43624 | FEDERAL INSURANCE COMPANY | $566 | — | $566 | 1.50% |
| KEYARK CAPITAL ADVISORS3 | 101 CRAWFORDS CIRCLE ROAD SUITE #1300 HOLMDEL, NJ 07733 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE HARTFORD NONE | Other fees; Contract Administrator Service code 13 | 1 GRIFFIN ROAD NORTH WINDSOR, CT 06095 | $734K |
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 | 16,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 140 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 16,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC | 156 | $3.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 23,255 | $1.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 14,540 | $6.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 14,540 | $6.4M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,540 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,255 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.