| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUSDON STREET 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 2.57% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS, LLC | PO BOX 95135 CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 2.38% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES LLC | PO BOX 778895 CHICAGO, IL 60677 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $712 | $712 | 0.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S. FIGUEROA ST 52ND FLOOR LOS ANGELES, CA 90017 | STANDARD INSURANCE COMPANY | $32K | — | $32K | 34.46% |
| MS BENEFITS3 | 100 CHALLENGER RD SUITE 400 RIDGEFIELD PARK, NJ 07660 | STANDARD INSURANCE COMPANY | $10K | $650 | $11K | 11.31% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES LLC | 6230 FAIRVIEW ROAD SUITE 210 CHARLOTTE, NC 28210 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.57% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 100 S CREST DR ATLANTA, GA 30281 | STANDARD INSURANCE COMPANY | — | $857 | $857 | 0.91% |
| LOCKTON COMPANIES, LLC3 Filed as: MOUNTAIN WEST SERIES OF LOCKTON | COMPANIES DEPT 42245 PO BOX 650823 DALLAS, TX 75265 | METLIFE LEGAL PLANS | $2K | $140 | $2K | 17.66% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $192K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $192K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $192K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.