| 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 | $129 | $81K | 19.58% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $8K | $30K | 7.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $87 | $87 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | DELTA DENTAL OF PENNSYLVANIA | $21K | $0 | $21K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 20.30% |
| JASON D ELLIS3 Filed as: JASON D. ELLIS | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $401 | $0 | $401 | 0.46% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | $0 | $286 | 0.33% |
| KENDRA MARIE JOHNSTON3 | 934 SWEENCY DRIVE, SUITE 8 HAGERSTOWN, MD 21740 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | $0 | $136 | 0.16% |
| MARK JOHNSTON3 Filed as: MARK A. JOHNSTON | 124 UNDERKE TERRACE HEDGESVILLE, WV 25427 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | $0 | $66 | 0.08% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.07% |
| 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 | $11 | $0 | $11 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $4K | $0 | $4K | 9.15% |
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 | 890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 690 | $210K |
| Vision | VISION SERVICE PLAN | 401 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,227 | $414K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,227 | $414K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,227 | $414K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,227 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,227 | — |
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.