| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $69 | $81K | 14.39% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $8K | $19K | 3.48% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.46% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $135 | $135 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 19.23% |
| JASON D ELLIS3 Filed as: JASON D. ELLIS | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | $0 | $259 | 1.16% |
| THE ELAN G. AP BENEFIT ADVISORS3 Filed as: THE ELAN G AP BENEFIT ADVISORS, LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $197 | $0 | $197 | 0.88% |
| KENDRA MARIE JOHNSTON3 Filed as: KENDRA M. JOHNSON | 934 SWEENCY DRIVE, SUITE 8 HAGERSTOWN, MD 21740 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | $0 | $90 | 0.40% |
| MARK JOHNSTON3 | 124 UNDERKE TERRACE HEDGESVILLE, WV 25427 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.28% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.18% |
| MICHAEL C WALKER3 Filed as: MICHAEL E. RISKA AND OTHER AGENTS | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
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 | 789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,101 | $560K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,101 | $560K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,101 | $560K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,101 | $560K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,101 | $560K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,101 | $583K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,101 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.