| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $46K | $53K | 6.93% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.16% |
| BRAIN W PATTEN3 Filed as: BRAIN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 13.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 9.82% |
| RHONDA A DRESNER3 Filed as: RHONDA A. DRESNER | 114 BURLINGTON STREET WOBURN, MA 01801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $546 | $0 | $546 | 1.65% |
| MATTHEW RYAN KIRKWOOD3 Filed as: MATTHEW R. KIRKWOOD | 742 ADDIS STREET NEW CASTLE, PA 16101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $339 | $0 | $339 | 1.02% |
| HEATHER M BARTLEY3 Filed as: HEATHER M. BARTLEY | 602 BEAVER COURT WEXFORD, CT 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $339 | $0 | $339 | 1.02% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS AND OTHER AGENTS | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | $0 | $100 | 0.30% |
| JOSHUA B PATTEN3 Filed as: JOSHUA B. PATTEN | 120 MARGUERITE DRIVE CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 0.23% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $758K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $758K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $758K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $98K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $98K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $98K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $758K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.