| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W. HOWARTH | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $492K | $0 | $492K | 7.69% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | $59K | $116K | 1.82% |
| JERRY MANNING3 Filed as: JERRY A. MANNING | 220 NORTH GREEN STREET CHICAGO, IL 60607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | $0 | $65K | 1.02% |
| LTCI PARTNERS LLC3 | 14546 BROOK HOLLOW BOULEVARD SUITE 28 SAN ANTONIO, TX 78232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $0 | $54K | 0.84% |
| CORMEN INSURANCE MARKETING CORP.3 | 8033 SUNSET BOULEVARD, PMB 8250 LOS ANGELES, CA 90046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $214 | $0 | $214 | 0.00% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS AND ASSOCIATES | 515 SOUTH FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $168 | $0 | $168 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103 | $0 | $103 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $63K | $24K | $87K | 8.64% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W. HOWARTH | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42K | $28K | $70K | 6.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $0 | $28K | 2.75% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $10K | $10K | 1.01% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $611 | $0 | $611 | 0.06% |
| DAVID A. BRANDIES3 Filed as: DAVID BRANDIES AND VARIOUS BROKERS | 980 WHEELER WAY, SUITE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $267 | $143 | $410 | 0.04% |
| MARIANNE P. DESKA3 | 600 WEST GERMANTOWN PIKE, SUITE 400 PLYMOUTH, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $238 | $0 | $238 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $0 | $1 | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | UNUM INSURANCE COMPANY | $24K | $0 | $24K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $3K | $785 | $3K | 19.48% |
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 | 1,453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL HEALTH PLAN | 90 | $1.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,147 | $172K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,737 | $6.4M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,737 | $7.4M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,737 | $7.4M |
| Prescription drug(3 contracts, 3 carriers) | CAPITAL HEALTH PLAN | 90 | $1.6M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,737 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,147 | — |
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.