| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | INNOVATION HEALTH | $0 | $118K | $118K | 5.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $20K | $27K | $47K | 4.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417483 BOSTON, MA 02241 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $153 | $153 | 0.08% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $154 | $1K | 12.46% |
| CAROL FREY CLARK3 | 1313 REGESTER AVENUE BALTIMORE, MD 21239 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $860 | $4 | $864 | 9.14% |
| HILARY RADOLEC3 Filed as: HILARY BISSETT RADOLEC | 4801 FAIRMONT AVENUE BETHESDA, MD 20814 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $521 | $66 | $587 | 6.21% |
| MICHAEL RAY YENCARELLI3 | 2242 MARGRAFF CIRCLE WOODBRIDGE, VA 22191 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $219 | $0 | $219 | 2.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES AND OTHER AGENTS | TWO EMBARCADERO CENTER SAN FRANCISCO, CA 94011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $204 | $0 | $204 | 2.16% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $70 | $153 | 1.62% |
| LILIENFIELD & ASSOCIATES LLC3 Filed as: LILIENFIELD AND ASSOCIATES LLC | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | $19 | $151 | 1.60% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY ROAD POWHATAN, VA 23139 | THE PAUL REVERE LIFE INSURANCE COMPANY | $98 | $0 | $98 | 9.78% |
| LILIENFIELD & ASSOCIATES LLC3 Filed as: LILIENFIELD AND ASSOCIATES LLC | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 1.50% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE, SUITE 501 MAITLAND, FL 32751 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 1.40% |
| STEPHEN ROSS WEINSTOCK3 | 1821 MACTAVISH AVENUE RICHMOND, VA 23230 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 1.40% |
| WAYNE RIMMER3 Filed as: WAYNE P. SMITH | 1113 WEST GROVE WAY COEUR DALENE, ID 83815 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.30% |
| CHRISTOPHER W ROBERTS3 Filed as: CHRISTOPHER WAYNE ROBERTS | 5624 TRAIL RIDE DRIVE MOSELEY, VA 23120 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.20% |
| DURWOOD BOOTH JR3 Filed as: DURWOOD BOOTH JR. | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $136 | $0 | $136 | 20.00% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER SAN FRANCISCO, CA 94111 | ACE AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 15.00% |
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 | 261 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INNOVATION HEALTH | 562 | $3.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 562 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 562 | $1.1M |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 264 | $202K |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 264 | $202K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 264 | $202K |
| Prescription drug(2 contracts, 2 carriers) | INNOVATION HEALTH | 562 | $3.5M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 562 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.