| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 SIXTH AVENUE, SUITE 2010 NEW YORK, NY 10036 | FIRST RELIANCE STANDARD | — | $4K | $4K | 1.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 SIXTH AVENUE, SUITE 2010 NEW YORK, NY 10036 | FIRST RELIANCE STANDARD | — | $2K | $2K | 1.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 SIXTH AVENUE, SUITE 2010 NEW YORK, NY 10036 | FIRST RELIANCE STANDARD | — | $1K | $1K | 1.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE,INC. | 3696 N FEDERAL HWY STE 202 FT. LAUDERDALE, FL 33308 | FIRST RELIANCE STANDARD | $6K | — | $6K | 18.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 SIXTH AVENUE, SUITE 2010 NEW YORK, NY 10036 | FIRST RELIANCE STANDARD | $448 | $389 | $837 | 2.70% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE,INC. | 3696 N FEDERAL HWY STE 202 FT. LAUDERDALE, FL 33308 | FIRST RELIANCE STANDARD | $3K | — | $3K | 9.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 SIXTH AVENUE, SUITE 2010 NEW YORK, NY 10036 | FIRST RELIANCE STANDARD | $227 | $363 | $590 | 2.05% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE,INC. | 3696 N FEDERAL HWY STE 202 FT. LAUDERDALE, FL 33308 | FIRST RELIANCE STANDARD | $5K | — | $5K | 19.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 SIXTH AVENUE, SUITE 2010 NEW YORK, NY 10036 | FIRST RELIANCE STANDARD | $273 | $328 | $601 | 2.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 SIXTH AVENUE, SUITE 2010 NEW YORK, NY 10036 | FIRST RELIANCE STANDARD | — | $190 | $190 | 0.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 SIXTH AVENUE, SUITE 2010 NEW YORK, NY 10036 | FIRST RELIANCE STANDARD | — | $99 | $99 | 1.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NASCO /NATIONAL ACCOUNT SERVICE COM EIN 58-1767730 SERVICE PROVIDER | Claims processing Service code 12 | 1200 ABERNATHY ROAD, ATLANTA, GA 30 ATLANTA, GA 30328 | $0 |
| SHARECARE INC. EIN 62-1117144 SERVICE PROVIDER | Other services Service code 49 | P.O. BOX 936450 ATLANTA, GA 303687180 | $0 |
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 | 697 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,343 | $538K |
| Vision | VISION SERVICE PLAN | 585 | $76K |
| Life insurance | FIRST RELIANCE STANDARD | 1,071 | $94K |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD | 349 | $193K |
| Long-term disability | FIRST RELIANCE STANDARD | 1,072 | $248K |
| Other(6 contracts) | FIRST RELIANCE STANDARD | 1,071 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,343 | — |
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.