| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INFINITE BROKERS3 | 11020 NORTH KENDALL DRIVE SUITE 100 MIAMI, FL 33176 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | $0 | $54K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $34K | $34K | 37.14% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 8.55% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | ALLSTATE WORKPLACE DIVISION | $7K | $0 | $7K | 8.14% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD SUITE 201 FARMINGTON, CT 06032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 22.57% |
| SALVATORE A RESTIVO3 Filed as: SALVATORE RESTIVO | 32 HASKEL LANE STONY BROOK, NY 11790 | CONTINENTAL AMERICAN INSURANCE COMPANY | $379 | $0 | $379 | 0.53% |
| WINSTON FINANCIAL SERVICES3 | 175 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 17.73% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF AMERICAS SUITE 2010 NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.11% |
| ROBERT C BRADLEY3 | 2399 HIGHWAY 34 SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $278 | $0 | $278 | 0.91% |
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 | 626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 845 | $92K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 845 | $92K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 710 | $393K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 710 | $363K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 710 | $363K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 710 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 845 | — |
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.