| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP W STE 1100 HOUSTON, TX 77092 | CURATIVE INSURANCE COMPANY | $42K | — | $42K | 6.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | AMERITAS LIFE INSURANC CORP. | $4K | — | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP W 400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 6.04% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $547 | $547 | 1.73% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP W 400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $586 | — | $586 | 15.01% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $239 | $239 | 6.12% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $71 | $71 | 1.82% |
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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 63 | $702K |
| Dental | AMERITAS LIFE INSURANC CORP. | 215 | $43K |
| Vision | AMERITAS LIFE INSURANC CORP. | 215 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $32K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 63 | $702K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.