| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROCCO MANCINI3 Filed as: ROCCO P MANCINI | 153 NORTON ST WATERBURY, CT 06708 | BLUECROSS BLUESHIELD OF TEXAS | $135K | — | $135K | 2.09% |
| NICHOLAS ANDREW GENOVESE3 | 20 SOUTHCOTE RD SAINT LOUIS, MO 63144 | BLUECROSS BLUESHIELD OF TEXAS | $67K | — | $67K | 1.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF TEXAS | $16K | $7K | $23K | 0.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $5K | $5K | 0.07% |
| ROCCO MANCINI3 Filed as: ROCCO P MANCINI | 153 NORTON ST WATERBURY, CT 06708 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $61 | $61 | 0.00% |
| NICHOLAS ANDREW GENOVESE3 | 20 SOUTHCOTE RD SAINT LOUIS, MO 63144 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $30 | $30 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $4 | $4 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $4 | $4 | 0.00% |
| ROCCO MANCINI3 Filed as: ROCCO P MANCINI | 153 NORTON STREET WATERBURY, CT 06708 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $96K | — | $96K | 12.65% |
| NICHOLAS ANDREW GENOVESE3 | 20 SOUTHCOTE BRENTWOOD, MO 63144 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 4.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$3K | $6K | $3K | 0.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX HEALTH INC. EIN 06-1593514 NONE | Claims processing; Contract Administrator Service code 12 | — | $8K |
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 | 742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,320 | $7.2M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,320 | $7.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,068 | $755K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,068 | $755K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,068 | $755K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,068 | $755K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,068 | $755K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,320 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.