| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | INNOVATION HEALTH | $0 | $115K | $115K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417483 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $0 | $132 | $132 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417483 BOSTON, MA 02241 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 10.02% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 2.18% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $23 | $23 | 0.01% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $464 | $10 | $474 | 5.63% |
| CAROL FREY CLARK3 | 1313 REGESTER AVENUE BALTIMORE, MD 21239 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $354 | $0 | $354 | 4.20% |
| HILARY RADOLEC3 Filed as: HILARY BISSETT RADOLEC | 4801 FAIRMONT AVENUE BETHESDA, MD 20814 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $227 | $13 | $240 | 2.85% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER SAN FRANCISCO, CA 94011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 1.92% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $41 | $82 | 0.97% |
| MICHAEL RAY YENCARELLI3 | 2242 MARGRAFF CIRCLE WOODBRIDGE, VA 22191 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.87% |
| LILIENFIELD & ASSOCIATES LLC3 Filed as: LILIENFIELD AND ASSOCIATES LLC | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.75% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE, SUITE 501 MAITLAND, FL 32751 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.50% |
| STEPHEN ROSS WEINSTOCK3 | 1821 MACTAVISH AVENUE RICHMOND, VA 23230 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.50% |
| DURWOOD BOOTH JR3 Filed as: DURWOOD BOOTH JR. | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.12% |
| LILIENFIELD & ASSOCIATES LLC3 Filed as: LILIENFIELD AND ASSOCIATES LLC | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.12% |
| WAYNE RIMMER3 Filed as: WAYNE P. SMITH | 3374 NORTH PARK CROSSING AVENUE MERIDIAN, ID 83646 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.12% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $142 | $0 | $142 | 20.00% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER SAN FRANCISCO, CA 94011 | ACE AMERICAN INSURANCE COMPANY | $107 | $0 | $107 | 15.07% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INNOVATION HEALTH | 402 | $3.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 402 | $818K |
| Vision | AETNA LIFE INSURANCE COMPANY | 402 | $818K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 261 | $181K |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 261 | $181K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 261 | $181K |
| Prescription drug(2 contracts, 2 carriers) | INNOVATION HEALTH | 402 | $3.1M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 261 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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."
No prospect flags tripped on this filing.