| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $13K | $44K | 7.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $12K | $59K | 10.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $21K | $59K | 15.35% |
| PHOENIX COMMITTED INS PROGRAM LLC3 Filed as: PHOENIX COMMITTED INSURANCE PROGRAM | 900 CIRCLE 75 PARKWAY SE, SUITE 145 ATLANTA, GA 30339 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $9K | — | $9K | 4.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $3K | $24K | 14.06% |
| LENSERF AND CO INC3 | 31 CHESTNUT HILL RD FOREST HILL, MD 21050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 49.91% |
| JEAN CLAUDE FRESNEL JR3 Filed as: JEAN-CLAUDE FRESNEL JR | 12201 WORTHINGTON RD OWINGS MILLS, MD 21117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $440 | $2K | 15.31% |
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 | 3,926 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 86 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 2,452 | $213K |
| Vision | COMMUNITY EYE CARE | 4,192 | $268K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,939 | $760K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 765 | $387K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,589 | $633K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,939 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,192 | — |
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.