| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN INC | $16K | $0 | $16K | 2.27% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $4K | $46K | 10.98% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $0 | $36K | 11.60% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY, SUITE 102 ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.95% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT 3042 DALLAS, TX 75312 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 6.99% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 4.20% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY, SUITE 102 ORLAND PARK, IL 60467 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $499 | $0 | $499 | 0.98% |
| CORPORATE HEALTH MANAGEMENT LLC3 | 8 SPRUCE STREET, APARTMENT 75 T NEW YORK, NY 10038 | COLONIAL LIFE AND ACCIDENT | $291 | $823 | $1K | 2.21% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | COLONIAL LIFE AND ACCIDENT | $891 | $0 | $891 | 1.77% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY, SUITE 102 ORLAND PARK, IL 60467 | COLONIAL LIFE AND ACCIDENT | $710 | $0 | $710 | 1.41% |
| MJ INSURANCE3 Filed as: JASON L. KOSCO AND VARIOUS AGENTS | 31 JESSEE COURT MONTVILLE, NJ 07045 | COLONIAL LIFE AND ACCIDENT | $472 | $43 | $515 | 1.02% |
| HANNAH R. COHEN3 | 7 SALEM PLACE WHITE PLAINS, NY 10605 | COLONIAL LIFE AND ACCIDENT | $486 | $0 | $486 | 0.97% |
| MICHAEL FRANCIS3 | 686 EAST 234TH STREET BRONX, NY 10466 | COLONIAL LIFE AND ACCIDENT | $420 | $48 | $468 | 0.93% |
| ROSEMARY MILLER3 | 30 ORCHARD STREET NORWALK, CT 06850 | COLONIAL LIFE AND ACCIDENT | $177 | $25 | $202 | 0.40% |
| HANNAH R. COHEN3 | 7 SALEM PLACE WHITE PLAINS, NY 10605 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.75% |
| JASON LOUIS KOSCO3 | 31 JESSEE COURT MONTVILLE, NJ 07045 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $1 | $16 | 0.71% |
| CORPORATE HEALTH MANAGEMENT LLC3 | 8 SPRUCE STREET, APARTMENT 75 T NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $8 | $13 | 0.58% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.27% |
| GIANNA DAMBROSIO3 | 23 LONGVIEW DRIVE MAHOPAC, NY 10541 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.22% |
| MJ INSURANCE3 Filed as: SOTERIA PRTS LLC & VARIOUS AGENTS | 8 SPRUCE STREET, APARTMENT 75 T NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.22% |
| ROSEMARY MILLER3 | 30 ORCHARD STREET NORWALK, CT 06850 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.18% |
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 | 394 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 83 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 545 | $418K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 783 | $51K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 809 | $361K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 809 | $308K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 809 | $308K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 83 | $1.1M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 809 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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.