| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $48K | $48K | 0.79% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | HARTFORD LIFE AND ACCIDENT | $9K | $191 | $10K | 0.16% |
| USI INSURANCE SERVICES LLC3 | 5990 GREENWOOD PLAZA BOULEVARD SUITE 250 GREENWOOD VILLAGE, CO 80111 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 0.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $51K | $0 | $51K | 9.09% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 66210 | RELIASTAR LIFE INSURANCE COMPANY | $38K | $8K | $47K | 8.27% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP SOUTH, SUITE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $18K | $18K | 3.20% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36K | $8K | $43K | 15.21% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $988 | $22K | 7.73% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $353 | $0 | $353 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 221 WEST 6TH AVENUE, SUITE 1980 AUSTIN, TX 78701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.02% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $196 | $0 | $196 | 4.51% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84 | $0 | $84 | 1.93% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $93 | $0 | $93 | 25.48% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | FIRST UNUM LIFE INSURANCE COMPANY | $40 | $0 | $40 | 10.96% |
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 | 4,538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,343 | $413K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 4,791 | $6.3M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,791 | $6.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,791 | $6.0M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 4,791 | $6.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,791 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.