| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | HORIZON HEALTHCARE SERVICES, INC. | $256K | $0 | $256K | 2.14% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $79K | $0 | $79K | 15.76% |
| JOHN E CARROLL3 Filed as: JOHN EDWARD CARROLL | PO BOX 1067 WESTTOWN, PA 19395 | PRINCIPAL LIFE INSURANCE COMPANY | -$5 | $0 | -$5 | -0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICES PLAN | $2K | $0 | $2K | 5.64% |
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 | 1,724 | 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) | 1,724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 968 | $12.0M |
| Vision(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 968 | $12.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,944 | $502K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,944 | $502K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,944 | $502K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 968 | $12.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 1,944 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,944 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.