| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | — | $1K | 4.89% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.34% |
| THE JEM AGENCY LLC3 Filed as: THE JEM AGENCY, LLC | 50 WINDMILL ROAD ARMONK, NY 10504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $347 | $0 | $347 | 2.38% |
| MS HEALTH ECONOMICS CONSULTANTS LLC3 Filed as: MS HEALTH ECONOMICS CONSULTANTS | 10459 SW 78TH STREET MIAMI, FL 33173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $308 | $0 | $308 | 2.11% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | UNKNOWN CRANSTON, RI 02920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $131 | $46 | $177 | 1.21% |
| DAVID A PHILLIPS3 Filed as: DAVID A. PHILLIPS | HCR 65 OJO SARCO, NM 87521 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 0.64% |
| JASON LOUIS KOSCO3 | 833 PACIFIC COMMONS DRIVE MYRTLE BEACH, SC 29575 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.16% |
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 | 179 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 153 | $27K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $176K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $161K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.