| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417483 BOSTON, MA 02241 | INNOVATION HEALTH | $0 | $136K | $136K | 5.63% |
| 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% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER AND ASSOCIATES, INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 20.00% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | ACE AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 2.35% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 1.19% |
| WAYNE RIMMER3 Filed as: WAYNE P. SMITH | 402 WEST LOCKHART LANE MERIDIAN, ID 83646 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 1.16% |
| LILIENFIELD & ASSOCIATES LLC Filed as: LILIENFIELD & ASSOC AND OTHER AGENT | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.60% |
| HILARY RADOLEC3 Filed as: HILARY BISSETT RADOLEC | 4801 FAIRMONT AVENUE BETHESDA, MD 20814 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.52% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 8385 NORTH RAISINA AVENUE FRESNO, CA 93720 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.26% |
| MARGARET F. GORMAN3 | 2418 NORTH OTTAWA STREET ARLINGTON, VA 22205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.22% |
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 | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INNOVATION HEALTH | 437 | $3.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 437 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 437 | $1.1M |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 250 | $181K |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 250 | $181K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 250 | $181K |
| Prescription drug(2 contracts, 2 carriers) | INNOVATION HEALTH | 437 | $3.5M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 250 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.