| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NORTHEAST SER | BANK OF AMERICA PO BOX 417483 BOSTON, MA 022417484 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $166K | — | $166K | 4.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 0.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE STREET SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $0 | $27K | $27K | 1.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA P.O. BOX 417484 BOSTON, MA 02241 | GENWORTH LIFE INSURANCE COMPANY | $33K | — | $33K | 6.49% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES, INC | JERRY MANNING 220 N GREEN ST CHICAGO, IL 60607 | GENWORTH LIFE INSURANCE COMPANY | $28K | — | $28K | 5.40% |
| LTCI PARTNERS LLC3 | 100 FIELD DR. #310 LAKE FOREST, IL 60045 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 0.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC (WASHINGTON | NORTHEAST SERIES OF LOCKTON COMPANI C/O BANK OF AMERICA BOSTON, MA 02241 | ARAG INSURANCE COMPANY | $14K | — | $14K | 10.00% |
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 | 3,470 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 310 | $1.9M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,556 | $3.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,556 | $3.7M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,556 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,556 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.