| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $235K | $13K | $249K | 7.04% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | CIGNA HEALTHCARE OF CALIFORNIA | $55K | $0 | $55K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 671291 DALLAS, TX 75267 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $9K | $26K | 3.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.50% |
| JULIE BRUINSMA3 Filed as: JULIE A. BRUINSMA | 11901 SANTA MONICA BOULEVARD SUITE 689 LOS ANGELES, CA 90025 | AFLAC | $3K | $56 | $3K | 5.06% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & CO. & OTHER AGNTS | 220 BUSH STREET, 7TH FLOOR SAN FRANCISCO, CA 94104 | AFLAC | $3K | $23 | $3K | 4.06% |
| STEVEN R. JOHNSON3 | 6167 BRISTOL PARKWAY, SUITE 106 CULVER CITY, CA 90230 | AFLAC | $802 | $0 | $802 | 1.26% |
| DAVID HERNANDEZ3 | 1160 EAST MARIPOSA AVENUE EL SEGUNDO, CA 90245 | AFLAC | $751 | $0 | $751 | 1.18% |
| HIXME INSURANCE SOLUTIONS, INC.3 | 31416 AGOURA ROAD, SUITE 105 WESTLAKE VILLAGE, CA 91361 | AFLAC | $711 | $0 | $711 | 1.11% |
| SALLY COKER3 Filed as: SALLY INGRAM COKER | 38275 NORTH 103RD PLACE SCOTTSDALE, AZ 85262 | AFLAC | $519 | $0 | $519 | 0.81% |
| DAVID HERNANDEZ3 | 5860 OWENS AVENUE, SUITE 100 CARLSBAD, CA 92008 | AFLAC | $511 | $0 | $511 | 0.80% |
| ALBERT BRUCKNER3 | 3018 BROADWAY, APARTMENT 2E ASTORIA, NY 11106 | AFLAC | $254 | $0 | $254 | 7.39% |
| DAVID RISPLER3 Filed as: J. DAVID AND ASSOCIATES, INC. | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $87 | $0 | $87 | 2.53% |
| DAVID RISPLER3 Filed as: J. DAVID AND ASSOCIATES, INC. | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $80 | $0 | $80 | 2.33% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $42 | $0 | $42 | 1.22% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $26 | $0 | $26 | 0.76% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $3 | $0 | $3 | 0.09% |
| TODD MICHAEL COHOE3 Filed as: TODD J. BURKE CORP. & OTHER AGENTS | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $3 | $0 | $3 | 0.09% |
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 | 684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,251 | $5.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,251 | $3.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,251 | $3.5M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $229K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $229K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $229K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,251 | $5.4M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,251 | — |
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.
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.