| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | — | $47K | $47K | 2.31% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, INC. | 656 SHREWSBURY AVENUE TINTON FALLS, NJ 07701 | AETNA LIFE INSURANCE COMPANY | — | $28K | $28K | 1.37% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $9K | $22K | 9.14% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, INC. | 656 SHREWSBURY AVENUE TINTON FALLS, NJ 07701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 5.28% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, INC. | 656 SHREWSBURY AVENUE, SUITE 200 TINTON FALLS, NJ 07701 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.53% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 1.18% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, INC. | 656 SHREWSBURY AVENUE, SUITE 200 TINTON FALLS, NJ 07701 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $973 | — | $973 | 4.90% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 284 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 317 | $99K |
| Vision | VISION SERVICE PLAN | 119 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $239K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $239K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $239K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 284 | $2.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.