| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $61K | — | $61K | 10.10% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 752012739 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $9K | $9K | 1.53% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.67% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | $42 | $42 | 0.17% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4 EMBARCADERO CENTER, SUITE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $319 | — | $319 | 1.87% |
| BENEPORT LLC3 | 28059 US HWY. 19 N, SUITE 201 CLEARWATER, FL 33761 | TRANSAMERICA LIFE INSURANCE COMPANY | $155 | — | $155 | 0.91% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $1K | $1K | 20.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS | 12444 POWERSCOURT DRIVE ST. LOUIS, MO 63131 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $844 | — | $844 | 15.00% |
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 | 821 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 122 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 780 | $606K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 780 | $606K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 780 | $606K |
| Other(5 contracts, 5 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 821 | $753K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 821 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.