| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | HUMANA INSURANCE COMPANY | $196K | $0 | $196K | 9.71% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | HUMANA INSURANCE COMPANY | $75K | $0 | $75K | 3.72% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | AMERICAN UNITED LIFE INSURANCE COMPANY | $140K | $0 | $140K | 8.05% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $79K | $79K | 4.55% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | UNUM INSURANCE COMPANY | $48K | $4K | $51K | 14.27% |
| RESOURCE SEVEN3 Filed as: RESOURCE 7, INC. | 500 LANIER AVENUE WEST, SUITE 203 FAYETTEVILLE, GA 30214 | UNUM INSURANCE COMPANY | $13K | $0 | $13K | 3.60% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $53K | $0 | $53K | 15.00% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | $0 | $13K | 4.95% |
| ELIZABETH H FINCHER4 Filed as: ELIZABETH H. FINCHER | PO BOX 1382 ROSWELL, GA 30077 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $8K | $0 | $8K | 14.87% |
| LOCKTON COMPANIES, LLC4 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 3.19% |
| RSC INSURANCE BROKERAGE INC4 Filed as: RSC INS. BROKERAGE | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $818 | $0 | $818 | 1.59% |
| RICAEDIA LLC4 Filed as: RICAEDIA, LLC | 47 PRIMROSE CIRCLE RINCETON, NJ 08540 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | $0 | $37 | 0.07% |
| DAVE HALL INC4 Filed as: DAVE HALL, INC. | 9748 CANTERBURY PARK CIRCLE HIGHLAND, UT 84003 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.05% |
| KELLEY J RHEAULT4 Filed as: KELLEY J. RHEAULT | 155 CONCHA DRIVE SEBRATIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $2K | $0 | $2K | 5.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $3K | $424 | $3K | 13.13% |
| LOCKTON COMPANIES, LLC4 | 76 BATTERSON PARK ROAD 3RD FLOOR FARMINGTON, CT 06032 | KAISER FOUNDATION HEALTH PLAN, INC. | $242 | $0 | $242 | 3.85% |
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 | 2,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,018 | $483K |
| Dental(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 2,227 | $2.2M |
| Vision(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 2,227 | $2.2M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,375 | $1.7M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,375 | $1.7M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,375 | $1.7M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 46 | $368K |
| Other(5 contracts, 5 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,018 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,227 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.