| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 0.96% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $1K | $21K | 21.82% |
| EMPYREAN BENEFITS3 Filed as: EMPYREAN INSURANCE SVCS INC. | 9009 WEST LOOP SOUTH SUITE 600 HOUSTON, TX 77096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $25 | $4K | 4.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 0.02% |
| GALLAHGER BENEFIT SERVICES INC3 Filed as: GALLAHGER BENEFIT SERVICES, INC | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | $0 | $13 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $1K | $17K | 35.28% |
| EMPYREAN BENEFITS3 Filed as: EMPYREAN INSURANCE SVCS, INC | 9009 WEST LOOP SOUTH SUITE 600 HOUSTON, TX 77096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $15 | $2K | 4.89% |
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 | 2,599 | 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) | 2,607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,883 | $137K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,599 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,599 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,599 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,599 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,599 | — |
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.