| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 4.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 3.89% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | — | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 2.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | AETNA LIFE INSURANCE CO. | $427 | — | $427 | 0.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $662 | — | $662 | 3.03% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE MORSE | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $401 | — | $401 | 1.84% |
| PHILIP RUGGIERI3 Filed as: PHILIP REIBMAN | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.80% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN PAUL DUNN | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.37% |
| FRAN C HARGARTEN III3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| ELENI A NIKOLAS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MATTHEW G BURNSIDE3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | SUPERIOR VISION PLAN/METLIFE | $445 | — | $445 | 5.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | — | SUPERIOR VISION PLAN/METLIFE | $426 | — | $426 | 4.88% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 31 | $22K |
| Dental | AETNA LIFE INSURANCE CO. | 134 | $55K |
| Vision | SUPERIOR VISION PLAN/METLIFE | 142 | $9K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 217 | $141K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 217 | $119K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 217 | $119K |
| Other | COMPANION LIFE INSURANCE COMPANY | 217 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.