| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | HARTFORD LIFE AND ACCIDENT | $522K | $0 | $522K | 10.79% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $108K | $108K | 2.24% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $26K | $46K | 2.90% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 SOUTH MANASQUAN, NJ 08736 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $0 | $45K | 2.80% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | VISION SERVICE PLAN | $14K | $0 | $14K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICA SUITE 2010 NEW YORK, NY 10036 | LEGALSHIELD | $31K | $0 | $31K | 20.55% |
| INTERMEDIARY SOLUTIONS COMPANY3 | 5729 LEBANON ROAD SUITE 144/211 FRISCO, TX 75034 | LEGALSHIELD | $5K | $0 | $5K | 3.53% |
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 | 6,265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,528 | $1.6M |
| Vision | VISION SERVICE PLAN | 2,220 | $284K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,265 | $4.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,265 | $4.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,265 | $4.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 6,265 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,265 | — |
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.