| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 55 CAPITAL BOULEVARD, SUITE 102 ROCKY HILL, CT 06067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $0 | $63K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.37% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 55 CAPITAL BOULEVARD, SUITE 102 ROCKY HILL, CT 06067 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | $0 | $14K | 4.13% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 55 CAPITAL BOULEVARD, SUITE 102 ROCKY HILL, CT 06067 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $15K | $0 | $15K | 14.71% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF CONNECTICUT, INC. | 520 CROMWELL AVENUE ROCKY HILL, CT 06067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 18.87% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.09% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $813 | $0 | $813 | 4.98% |
| JOHN W. BUSCH3 | 1005 SOUTH MLK BOULEVARD TEMPLE, TX 76504 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $770 | $0 | $770 | 4.71% |
| RIVIERA PARADISE, LLC4 | 1005 SOUTH MLK BOULEVARD TEMPLE, TX 76504 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $79 | $0 | $79 | 0.48% |
| KIMBERLY DAWN ACOSTA4 Filed as: KIMBERLY ACOSTA PEPIN | 1026 BRIDLEWOOD NEW BRAUNFELS, TX 78132 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $34 | $0 | $34 | 0.21% |
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 | 1,264 | 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) | 1,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 29 | $334K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,721 | $708K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,622 | $104K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,264 | $625K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,264 | $625K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,264 | $625K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 29 | $334K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,264 | $705K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,721 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.