| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $243K | $0 | $243K | 5.47% |
| LOCKTON COMPANIES, LLC3 | 6304 BENJAMIN ROAD, SUITE 503 TAMPA, FL 33634 | HARTFORD LIFE AND ACCIDENT | $41K | $0 | $41K | 9.80% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 1.96% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | DELTA DENTAL OF NEW JERSEY, INC. | $17K | $0 | $17K | 5.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | GENWORTH LIFE INSURANCE COMPANY | $39K | $0 | $39K | 15.16% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | GENWORTH LIFE INSURANCE COMPANY | $936 | $0 | $936 | 0.36% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02100 | GENWORTH LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $97 | $1K | 17.27% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $833 | $0 | $833 | 10.01% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 546 | $4.4M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 490 | $331K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 233 | $420K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 233 | $420K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 233 | $420K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 546 | $4.4M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 254 | $693K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.