| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $59K | $14K | $72K | 11.41% |
| CERIDIAN HCM INC3 Filed as: CERIDIAN HCM, INC. | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $21K | $21K | 3.24% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 9.06% |
| HENSLEY A AKIBOH3 Filed as: HENSLEY ALAN AKIBOH | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.43% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.32% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 4110 WILLOW CREEK DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $859 | $0 | $859 | 0.81% |
| JACQUELINE VAN SCYOC3 Filed as: JACQUELINE DAWN VAN SCYOC & OTHERS | 12476 WEST ARDYCE DRIVE BOISE, ID 83713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $778 | $0 | $778 | 0.74% |
| HEATHER M BARTLEY3 Filed as: HEATHER M. BARTLEY | 602 BEAVER COURT WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $737 | $0 | $737 | 0.70% |
| RYAN NORGREN3 | 223 NORTH 9TH STREET, APARTMENT 304 COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | $0 | $172 | 0.16% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 2.56% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | AETNA LIFE INSURANCE COMPANY | $484 | $814 | $1K | 6.10% |
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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 100 | $21K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 976 | $58K |
| Life insurance | STANDARD INSURANCE COMPANY | 477 | $632K |
| Short-term disability | STANDARD INSURANCE COMPANY | 477 | $632K |
| Long-term disability | STANDARD INSURANCE COMPANY | 477 | $632K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 477 | $738K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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.