| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.04% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $594 | $0 | $594 | 5.95% |
| THE JEM AGENCY LLC3 Filed as: THE JEM AGENCY, LLC | 50 WINDMILL ROAD ARMONK, NY 10504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $531 | $0 | $531 | 5.32% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARTNERS, LLC | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $104 | $52 | $156 | 1.56% |
| DAVID A PHILLIPS3 | HCR 65 OJO SARCO, NM 87521 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $2 | $112 | 1.12% |
| JAY Z GERLITZ & ASSOCIATES INC.3 Filed as: JAY Z GERLITZ & ASSOCIATES, INC. | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.62% |
| JASON LOUIS KOSCO3 | 481 RYCOLA CIRCLE SURFSIDE BEACH, SC 29575 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.12% |
| DAVID MCLEOD3 | 409 NM HIGHWAY 528 NE RIO RANCHO, NM 87124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.08% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | 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 |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 161 | $26K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $177K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $167K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.