| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $228K | $0 | $228K | 15.92% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | DELTA DENTAL INSURANCE COMPANY | $95K | $0 | $95K | 10.23% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | HUMANA INSURANCE COMPANY | $12K | $0 | $12K | 7.72% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $2K | $34 | $2K | 4.88% |
| MARCI COHEN3 | 10100 TWIN RIVERS ROAD APARTMENT 423 COLUMBIA, MD 21044 | AFLAC | $1K | $27 | $1K | 2.67% |
| MJ INSURANCE3 Filed as: GARY H. CAMPBELL AND VARIOUS AGENTS | 313 NORTH WASHINGTON STREET AELXANDRIA, VA 22314 | AFLAC | $807 | $7 | $814 | 1.81% |
| MARY JO SANTILLANES3 | 3100 RUTH ROAD ROSWELL, NM 88201 | AFLAC | $372 | $0 | $372 | 0.83% |
| KRISTAN MALACRIDA3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $271 | $0 | $271 | 0.60% |
| PAUL THAYER3 Filed as: PAUL B. THAYER | 6 OVERSHOT COURT PHOENIX, MD 21131 | AFLAC | $193 | $6 | $199 | 0.44% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH STREET NW, SUITE 700 WASHINGTON, DC 20005 | AFLAC | $132 | $0 | $132 | 0.29% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | MDLIVE | $15K | $0 | $15K | 44.91% |
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 | 1,860 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,247 | $5.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,556 | $930K |
| Vision | HUMANA INSURANCE COMPANY | 1,384 | $159K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,872 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,872 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,872 | $1.4M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,247 | $5.4M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,872 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,556 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.