| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | COMMUNITY INSURANCE COMPANY | $54K | $0 | $54K | 50.86% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES | 22901 MILLCREEK BOULEVARD SUITE 160 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 2.20% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.85% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.68% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES | 22901 MILLCREEK BOULEVARD SUITE 160 BEACHWOOD, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | -$1K | $0 | -$1K | -1.51% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 274 | $107K |
| Vision | COMMUNITY INSURANCE COMPANY | 274 | $107K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 406 | $71K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 406 | $71K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 406 | $71K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 406 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.