| 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 | $143K | — | $143K | 6.76% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $71K | — | $71K | 3.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $49K | $49K | 2.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | DELTA DENTAL INSURANCE COMPANY | $19K | — | $19K | 1.46% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | 1.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | HUMANA INSURANCE COMPANY | $13K | — | $13K | 6.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 2.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 500 W MONROE ST CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | — | $3K | $3K | 2.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PL BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN | $2K | — | $2K | 3.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $4K | $714 | $4K | 10.94% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $2K | $60 | $2K | 4.11% |
| MJ INSURANCE3 Filed as: JEAN FRESNEL JR AND VARIOUS AGENTS | 700 12TH ST NW WASHINGTON, DC 20005 | AFLAC | $573 | — | $573 | 1.46% |
| MARCI COHEN3 | 1155 SHORTLEAF CIR SYKESVILLE, MD 21784 | AFLAC | $517 | $49 | $566 | 1.44% |
| MARY JO SANTILLANES3 | 3100 RUTH RD ROSWELL, NM 88201 | AFLAC | $372 | — | $372 | 0.95% |
| KRISTAN MALACRIDA3 | 4050 CANDE LIGHT DR DAYTON, MD 21036 | AFLAC | $246 | — | $246 | 0.63% |
| PAUL THAYER3 | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $156 | $11 | $167 | 0.43% |
| MARK STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $57 | $11 | $68 | 0.17% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $691 | — | $691 | 3.70% |
| ESKRA & ASSOCIATES INC3 | 355 ALHAMBRA CIR CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $348 | — | $348 | 1.86% |
| GHC ASSOCIATES INC3 Filed as: GHC ASSOC INC | 313 N WASHINGTON ST ALEXANDRIA, VA 22314 | METROPOLITAN LIFE INSURANCE COMPANY | $20 | — | $20 | 0.11% |
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 | 1,948 | 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) | 1,948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN | 25 | $940K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,576 | $1.4M |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 1,523 | $241K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,948 | $2.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,948 | $2.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,948 | $2.1M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,948 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,948 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.