| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | INNOVATION HEALTH | $75K | $0 | $75K | 5.30% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $887 | $23K | $24K | 4.44% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN ARLINGTON, VA 22202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $0 | $23K | 10.00% |
| LOCKTON COMPANIES, LLC2 | 444 WEST 47TH STREET, SUTIE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF VIRGINIA | $10K | $0 | $10K | 4.94% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $8K | $22K | 15.36% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1650 RICHMOND AVENUE STATEN ISLAN, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 20.00% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER SAN FRANCISCO, CA 94111 | ACE AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $175 | $7 | $182 | 5.29% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER SAN FRANCISCO, CA 94011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | $1 | $88 | 2.56% |
| WAYNE RIMMER3 Filed as: WAYNE P. SMITH | 1113 WEST GROVE WAY COEUR DALENE, ID 83815 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 1.19% |
| MJ INSURANCE3 Filed as: DONNA ROSS SMITH AND VARIOUS AGENTS | 2632 JUDES FERRY ROAD POWHATAN, VA 23139 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $1 | $39 | 1.13% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE, SUITE 501 MAITLAND, FL 32751 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $8 | $28 | 0.81% |
| STEPHEN ROSS WEINSTOCK3 | 1101 JOHANNA BAY DRIVE MIDLOTHIAN, VA 23114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $8 | $27 | 0.79% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 8385 NORTH RAISINA AVENUE FRESNO, CA 93720 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.41% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY ROAD POWHATAN, VA 23139 | THE PAUL REVERE LIFE INSURANCE COMPANY | $98 | $2 | $100 | 16.64% |
| LILIENFIELD & ASSOCIATES LLC3 Filed as: LILIENFIELD AND ASSOCIATES LLC | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 2.00% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE, SUITE 501 MAITLAND, FL 32751 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 1.66% |
| STEPHEN ROSS WEINSTOCK3 | 1101 JOHANNA BAY DRIVE MIDLOTHIAN, VA 23114 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 1.66% |
| WAYNE RIMMER3 Filed as: WAYNE P. SMITH | 1113 WEST GROVE WAY COEUR DALENE, ID 83815 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.33% |
| CHRISTOPHER W ROBERTS3 Filed as: CHRISTOPHER WAYNE ROBERTS | 5624 TRAIL RIDE DRIVE MOSELEY, VA 23120 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.33% |
| DURWOOD BOOTH JR3 Filed as: DURWOOD BOOTH JR. | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.17% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INNOVATION HEALTH | 387 | $2.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 480 | $431K |
| Vision | AETNA LIFE INSURANCE COMPANY | 387 | $533K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $144K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $144K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $144K |
| Prescription drug(2 contracts, 2 carriers) | INNOVATION HEALTH | 387 | $1.9M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 813 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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.