| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042, PO BOX 123042 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95K | $15K | $110K | 5.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $146K | $20K | $166K | 9.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81K | $9K | $90K | 13.32% |
| 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 | $16K | — | $16K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 6.50% |
| LENSERF AND CO INC3 | 31 CHESTNUT HILL RD FOREST HILL, MD 21050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90K | — | $90K | 49.91% |
| JEAN CLAUDE FRESNEL JR3 Filed as: JEAN-CLAUDE FRESNEL JR | 12201 WORTHINGTON RD OWINGS MILLS, MD 21117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MATTHEW W EVANS3 | 127 BOONE TRL SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62819 VIRGINA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | $1K | $9K | 13.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$6K | $556 | -$5K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$35K | $9K | -$26K | — |
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 | 6,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 139 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 129 | $67K |
| Vision | COMMUNITY EYE CARE | 7,794 | $456K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,669 | $2.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,032 | $358K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,407 | $1.9M |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 4,624 | $388K |
| Other(5 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,669 | $606K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,794 | — |
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.