| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631415115 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $193K | — | $193K | 6.80% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARDWOOD, SUITE 2500 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $42K | $42K | 1.49% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 10.06% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $6K | — | $6K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | — | $6K | $6K | 15.00% |
| VIDAL & RODRIGUEZ3 Filed as: VIDAL & RODRIGUEZ, INC. | CAPITAL CENTER BUILDING, SUITE 501 AVE. ARTERIAL HOSTOS #239 SAN JUAN, PR 009181475 | MCS LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.05% |
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 | 6,354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 735 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,089 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $144K |
| Dental(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 911 | $292K |
| Vision(3 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA (EYEMED VISION CARE) | 8,045 | $495K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,686 | $2.9M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,686 | $2.8M |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,686 | $2.9M |
| Other(5 contracts, 5 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,317 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,045 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.