| 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 | — | $24K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | — | $1K | 5.20% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $688 | $92 | $780 | 12.38% |
| THE JEM AGENCY LLC3 Filed as: THE JEM AGENCY, LLC | 50 WINDMILL ROAD ARMONK, NY 10504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $591 | $9 | $600 | 9.52% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | $204 | $289 | 4.59% |
| JAY Z GERLITZ & ASSOCIATES INC.3 Filed as: JAY Z. GERLITZ & ASSOCIATES INC. | 2071 BRIARWOOD DRIVE SOMERS, NY 10589 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 1.03% |
| DAVID A PHILLIPS3 Filed as: DAVID A. PHILLIPS | HCR 65 OJO SARCO, NM 87521 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.95% |
| MARK EDWARD HATHAWAY3 | 50 MAIN STREET #1000 WHITE PLAINS, NY 10606 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $16 | $28 | 0.44% |
| HOWARD HOROWITZ3 Filed as: HOWARD P. DILEMA | 50 MAIN STREET WHITE PLAINS, NY 10606 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.24% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 143 | $23K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $163K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $157K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.