| 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 | $21K | — | $21K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | — | $1K | 5.38% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $955 | $111 | $1K | 20.20% |
| DAVID A PHILLIPS3 Filed as: DAVID A. PHILLIPS | HCR 65 OJO SARCO, NM 87521 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $553 | $19 | $572 | 10.84% |
| THE JEM AGENCY LLC3 Filed as: THE JEM AGENCY, LLC | 50 WINDMILL ROAD ARMONK, NY 10504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $452 | $50 | $502 | 9.51% |
| BRAD BIEL3 | 2 GOLD STREET NEW YORK, NY 10038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $273 | $341 | 6.46% |
| HOWARD HOROWITZ3 Filed as: HOWARD P. DILEMA | 55 BROADWAY NEW YORK, NY 10006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $114 | $146 | 2.77% |
| DAVID MCLEOD3 | 1207 SOUTH 4TH MERKEL, TX 79536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $10 | $90 | 1.71% |
| JAY Z GERLITZ & ASSOCIATES INC.3 Filed as: JAY Z. GERLITZ AND ASSOCIATES, INC. | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 1.36% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 129 | $21K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $148K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $142K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.