| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $104K | $51K | $155K | 10.21% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE OF NORTH AMERICA | $60K | $0 | $60K | 12.63% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 4.92% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 700 WEST 47TH STREET KANSAS CITY, MO 64112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.19% |
| BST COMPANIES INC3 Filed as: BST COMPANIES, INC. | 319 NORTH CAMERON VIEW PLACE TUCSON, AZ 85745 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $5 | $2K | 2.15% |
| MJ INSURANCE3 Filed as: GRACE NEAD AND VARIOUS AGENTS | 1015 STATE PARK ROAD GREENVILLE, SC 29609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $801 | $16 | $817 | 0.78% |
| JB & H LLC3 Filed as: JB AND H, LLC | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $564 | $6 | $570 | 0.54% |
| VINCENT TAYLOR ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $401 | $0 | $401 | 0.38% |
| MARQUEZ BENEFIT GROUP LLC3 Filed as: MARQUEZ BENEFIT GROUP, LLC | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $327 | $67 | $394 | 0.38% |
| EC BENEFITS INC3 Filed as: EC BENEFITS, INC. | 8038 SOUTH 38TH PLACE PHOENIX, AZ 85042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $244 | $0 | $244 | 0.23% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 700 WEST 47TH STREET KANSAS CITY, MO 64112 | THE PAUL REVERE LIFE INSURANCE COMPANY | $69 | $0 | $69 | 3.68% |
| BST COMPANIES INC3 Filed as: BST COMPANIES, INC. | 319 NORTH CAMERON VIEW PLACE TUCSON, AZ 85745 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 1.28% |
| JB & H LLC3 Filed as: JB AND H, LLC | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.43% |
| MARQUEZ BENEFIT GROUP LLC3 Filed as: MARQUEZ BENEFIT GROUP, LLC | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.43% |
| EC BENEFITS INC3 Filed as: EC BENEFITS, INC. | 8038 SOUTH 38TH PLACE PHOENIX, AZ 85042 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.32% |
| VINCENT TAYLOR ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.16% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.11% |
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 | 3,341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 174 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 3,521 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,160 | $225K |
| Life insurance | LIFE INSURANCE OF NORTH AMERICA | 3,341 | $476K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 168 | $107K |
| Long-term disability | LIFE INSURANCE OF NORTH AMERICA | 3,341 | $476K |
| Other(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 3,521 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,521 | — |
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.