| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $71K | $0 | $71K | 10.21% |
| CERIDIAN HCM INC3 Filed as: CERIDIAN HCM, INC. | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $27K | $27K | 3.83% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 2.40% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 11.95% |
| HENSLEY A AKIBOH3 Filed as: HENSLEY ALAN AKIBOH | 120 MARGURITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $983 | $0 | $983 | 1.55% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $967 | $0 | $967 | 1.52% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | $0 | $222 | 0.35% |
| HEATHER M BARTLEY3 Filed as: HEATHER M. BARTLEY | 602 BEAVER COURT WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $190 | $0 | $190 | 0.30% |
| MICHAEL S CLISE3 Filed as: MICHAEL S. CLISE | 361 LITTLE CREEK ROAD HARMONY, PA 16037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.12% |
| MJ INSURANCE3 Filed as: JOSHUA B. PATTEN AND VARIOUS AGENTS | 425 MCKEAN DRIVE WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$63 | $0 | -$63 | -0.10% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $13 | $0 | $13 | 0.25% |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,001 | $70K |
| Life insurance | STANDARD INSURANCE COMPANY | 490 | $700K |
| Short-term disability | STANDARD INSURANCE COMPANY | 490 | $700K |
| Long-term disability | STANDARD INSURANCE COMPANY | 490 | $700K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 490 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,001 | — |
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.