| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $282K | — | $282K | 12.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $55K | $55K | 2.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | DELTA DENTAL INSURANCE COMPANY | $50K | — | $50K | 3.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN | $10K | — | $10K | 2.87% |
| GARY HORINE CAMPBELL3 | 313 N WASHINGTON ST ALEXANDRIA, VA 22314 | KAISER FOUNDATION HEALTH PLAN | $1K | — | $1K | 0.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN | $10K | — | $10K | 3.03% |
| GARY HORINE CAMPBELL3 | 313 N WASHINGTON ST ALEXANDRIA, VA 22314 | KAISER FOUNDATION HEALTH PLAN | $1K | — | $1K | 0.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | HUMANA INSURANCE COMPANY | $20K | — | $20K | 11.92% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 417484 BOSTON, MA 02241 | KAISER FOUNDATION HEALLTH PLAN, INC. | -$13 | — | -$13 | -0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PL BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN | $2K | — | $2K | 2.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $194 | — | $194 | 0.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 500 W MONROE ST CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN | $2K | — | $2K | 2.53% |
| GHC ASSOCIATES INC3 | 313 N WASHINGTON ST ALEXANDRIA, VA 22314 | KAISER FOUNDATION HEALTH PLAN | $191 | — | $191 | 0.31% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $2K | $96 | $2K | 5.19% |
| MARCI COHEN3 | 1155 SHORTLEAF CIR SYKESVILLE, MD 21784 | AFLAC | $1K | $78 | $1K | 2.53% |
| MJ INSURANCE3 Filed as: JEAN FRESNEL JR AND VARIOUS AGENTS | 700 12TH ST NW WASHINGTON, DC 20005 | AFLAC | $608 | — | $608 | 1.41% |
| MARY JO SANTILLANES3 | 3100 RUTH RD ROSWELL, NM 88201 | AFLAC | $372 | — | $372 | 0.86% |
| PAUL THAYER3 | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $241 | $18 | $259 | 0.60% |
| KRISTAN MALACRIDA3 | 4050 CANDE LIGHT DR DAYTON, MD 21036 | AFLAC | $246 | — | $246 | 0.57% |
| MARK STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $115 | $18 | $133 | 0.31% |
| VALENT GROUP3 | — | MDLIVE | $10K | — | $10K | 30.38% |
| ESKRA & ASSOCIATES INC3 | 355 ALHAMBRA CIR, STE 1550 CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $372 | — | $372 | 2.05% |
| GHC ASSOCIATES INC3 Filed as: GHC ASSOC INC | 313 N WASHINGTON ST ALEXANDRIA, VA 22314 | METROPOLITAN LIFE INSURANCE COMPANY | $282 | — | $282 | 1.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $1K | $183 | $2K | 10.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK RD FARMINGTON, CT 06032 | KAISER FOUNDATION HEALTH PLAN | $97 | $50 | $147 | 5.32% |
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 | 1,871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,126 | $14.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,543 | $1.3M |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 1,480 | $186K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,871 | $2.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,871 | $2.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,871 | $2.3M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,126 | $13.6M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,871 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,871 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.