| 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 | $122K | $20K | $142K | 10.13% |
| BENEFIT ANALYSTS INC3 | P.O. BOX 6253 MACON, GA 312086253 | HARTFORD LIFE AND ACCIDENT | $71K | — | $71K | 6.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042, PO BOX 123042 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52K | $20K | $72K | 7.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | $8K | $65K | 14.75% |
| PHOENIX COMMITTED INS PROGRAM LLC3 Filed as: PHOENIX COMMITTED INSURANCE PROGRAM | LLC,900 CIRCLE 75 PARKWAY SE, SUITE 1450 ATLANTA, GA 30339 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $15K | — | $15K | 4.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $7K | $40K | 10.57% |
| RYAN SPECIALTY PLANO, TX3 | 123 PLEASANT STREET, 3RD FLOOR MARBLEHEAD, MA 01945 | QBE INSURANCE | $28K | — | $28K | 8.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62819 VIRGINA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $571 | $7K | 10.83% |
| USI INSURANCE SERVICES LLC3 | 200 W. CYPRESS CREEK ROAD SUITE 600 FORT LAUDERDAL, FL 33309 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $63 | $63 | 0.10% |
| LENSERF AND CO INC3 | 31 CHESTNUT HILL RD FOREST HILL, MD 21050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 45.02% |
| 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% |
| MATTHEW W EVANS3 | 127 BOONE TRL SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 4,281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 140 | $80K |
| Vision | COMMUNITY EYE CARE | 7,602 | $452K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,285 | $1.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,049 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,045 | $945K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 4,581 | $729K |
| Other(5 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,285 | $966K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,602 | — |
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.