| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM BLUE CROSS AND BLUE SHIELD | $181K | $2K | $182K | 4.68% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | ANTHEM BLUE CROSS AND BLUE SHIELD | $0 | $42K | $42K | 1.07% |
| SATS LLC3 Filed as: SATS, LLC | 77 SPRUCE STREET SUITE 203 CEDARHURST, NY 11516 | ANTHEM BLUE CROSS AND BLUE SHIELD | $389 | $0 | $389 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 65 MEMORIAL ROAD SUITE C100 RUTHERFORD BUILDING WEST HARTFORD, CT 06107 | ANTHEM LIFE AND DISABILITY INS CO. | $18K | $0 | $18K | 8.81% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRLESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | ANTHEM LIFE AND DISABILITY INS CO. | $0 | $5K | $5K | 2.57% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $0 | $23K | 15.94% |
| SATS LLC3 Filed as: SATS, LLC AND OTHER AGENTS | 77 SPRUCE STREET CEDARHURST, NY 11516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 7.93% |
| COLGATE BENEFITS INC3 Filed as: COLGATE BENEFITS, INC. | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $10K | 7.03% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LTD. | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $5K | $9K | 6.23% |
| JOSE H MUNGARRIETA JR3 Filed as: JOSE H. MUNGARRIETA JR | 540 SW 78TH PLACE MIAMI, FL 33144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 3.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | UNKNOWN WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 3.16% |
| GIOVANNA GRANDEZ3 | 215 WEST 105TH STREET, APARTMENT 1B NEW YORK, NY 10025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 2.12% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 21.57% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | AETNA LIFE INSURANCE CO. | $15K | $0 | $15K | 19.41% |
| KRISTY COLGATE3 Filed as: KRISTY NICOLE COLGATE | 43 MAGILL DRIVE GRAFTON, MA 01519 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 8.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | UNKNOWN WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.90% |
| COLGATE BENEFITS INC3 Filed as: COLGATE BENEFITS, INC. & OTHER AGNT | 43 MAGILL DRIVE GRAFTON, MA 01519 | THE PAUL REVERE LIFE INSURANCE COMPANY | $977 | $67 | $1K | 3.16% |
| SATS LLC3 Filed as: SATS, LLC | 77 SPRUCE STREET CEDARHURST, NY 11516 | THE PAUL REVERE LIFE INSURANCE COMPANY | $876 | $0 | $876 | 2.65% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | THE PAUL REVERE LIFE INSURANCE COMPANY | $795 | $0 | $795 | 2.41% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | THE PAUL REVERE LIFE INSURANCE COMPANY | $626 | $0 | $626 | 1.90% |
| GURDEEP K. SOKHEY3 | 1837 STUYVESANT AVENUE EAST MEADOW, NY 11554 | THE PAUL REVERE LIFE INSURANCE COMPANY | $265 | $15 | $280 | 0.85% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | THE PAUL REVERE LIFE INSURANCE COMPANY | $247 | $0 | $247 | 0.75% |
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 | 811 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 488 | $4.1M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 488 | $3.9M |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 488 | $3.9M |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE AND DISABILITY INS CO. | 811 | $384K |
| Short-term disability | ANTHEM LIFE AND DISABILITY INS CO. | 811 | $207K |
| Long-term disability | ANTHEM LIFE AND DISABILITY INS CO. | 811 | $207K |
| Prescription drug(3 contracts, 3 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 488 | $4.1M |
| Other(4 contracts, 4 carriers) | ANTHEM LIFE AND DISABILITY INS CO. | 811 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 811 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.