| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | — | $273 | $273 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARDWOOD, SUITE 2500 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 1.21% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DRIVE, UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 4.55% |
| PAUL ALAN SCHNELL3 | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 1.92% |
| DREYFUSS & BIRKE LTD3 Filed as: DREYFUSS AND BIRKE LTD | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.71% |
| VERITY, IBA3 | PO BOX 2437 MOUNT PLEASANT, SC 29465 | LEGALPLANS, USA | — | $83 | $83 | 6.97% |
| DREYFUSS & BIRKE LTD3 Filed as: DREYFUSS AND BIRKE LTD | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | LEGALPLANS, USA | — | $36 | $36 | 3.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OF NEW YORK | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $13 | — | $13 | 4.25% |
| DREYFUSS & BIRKE LTD3 Filed as: DREYFUSS AND BIRKE LTD | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $2 | — | $2 | 0.65% |
| DREYFUSS & BIRKE LTD3 Filed as: DREYFUSS AND BIRKE LTD | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 2.23% |
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 | 1,132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,735 | $9.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 3,735 | $9.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 3,735 | $9.0M |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,282 | $624K |
| Short-term disability(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,282 | $626K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,282 | $624K |
| Prescription drug(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,735 | $9.4M |
| Other(5 contracts, 5 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,282 | $627K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,735 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.