| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK RD STE 3 FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $75K | — | $75K | 3.74% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 0.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - BOSTON | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE | $2K | — | $2K | 9.62% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 E. GALBRAITH RD., SUITE 9000 CINCINNATI, OH 45236 | EYEMED VISION CARE | $393 | — | $393 | 1.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NE SERIES | 76 BATTERSON PARK RD STE 3 FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $284 | $3K | 23.26% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $593 | $3K | 21.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $468 | $2K | 20.11% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $124 | $1K | 10.08% |
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 | 438 | 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) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 366 | $2.0M |
| Vision | EYEMED VISION CARE | 224 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 438 | $12K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 438 | $12K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 366 | $2.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 438 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.