| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $20K | $7K | $27K | 12.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.05% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINGTON, CT 06032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $328 | $0 | $328 | 30.97% |
| NATHEN RANDALL KOOI3 | 350 BISHOPS WAY, SUITE 105 BROOKFIELD, WI 53005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | $0 | $168 | 15.86% |
| EPSIX, INC.3 | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 7.93% |
| KYLE G WHELTON3 Filed as: KYLE G. WHELTON | 2421A SOUTH 8TH STREET SHEBOYGAN, WI 53081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 2.93% |
| BRYAN LEE3 Filed as: BRYAN A. LEE | 2664 DOROTHY STREET BELLMORE, NY 11710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 1.89% |
| MORGAN E MARKOWSKI3 Filed as: MORGAN E. MARKOWSKI | 2725 SOUTH MOORLAND ROAD, SUITE 301 NEW BERLIN, WI 53151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 1.32% |
| MJ INSURANCE3 Filed as: JACQUES DAVID AND VARIOUS AGENTS | 5 MONFORT DRIVE HUNINGTON, NY 11743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.94% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 452 | $218K |
| Vision | VISION SERVICE PLAN | 222 | $28K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 257 | $114K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 257 | $114K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 257 | $114K |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 314 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.