| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | INNOVATION HEALTH | — | $59K | $59K | 4.78% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARWOOD STREET DALLAS, TX 75201 | INNOVATION HEALTH | — | $253 | $253 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $865 | $19K | $20K | 4.68% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 10.10% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF VIRGINIA | $7K | — | $7K | 4.93% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $972 | $8K | 11.44% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H. MARSTELLER | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $520 | $46 | $566 | 8.03% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $264 | $41 | $305 | 4.33% |
| DURWOOD BOOTH JR3 Filed as: DURWOOD BOOTH JR. AND OTHER AGENTS | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | $18 | $150 | 2.13% |
| WAYNE RIMMER3 Filed as: WAYNE P. SMITH | 1113 WEST GROVE WAY COEUR D ALENE, ID 83815 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 2.00% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | PO BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $24 | $71 | 1.01% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY ROAD POWHATAN, VA 23139 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $11 | $54 | 0.77% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 829 CYNTHIA DRIVE WATSONVILLE, CA 95076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $5 | $46 | 0.65% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER SAN FRANCISCO, CA 94111 | ACE AMERICAN INSURANCE COMPANY | $460 | — | $460 | 14.99% |
| RUEBEN WARNER ASSOCIATES, INC.3 Filed as: RUEBEN WARNER ASSOCIATES | 1650 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $460 | $460 | 14.99% |
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 | 206 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INNOVATION HEALTH | 228 | $1.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 394 | $445K |
| Vision | AETNA LIFE INSURANCE COMPANY | 641 | $425K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $68K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $68K |
| Prescription drug | INNOVATION HEALTH | 228 | $1.2M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 742 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.