| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DECISELY INSURANCE SERVICES INC3 | 10800 ALPHARETTA HIGHWAY, SUITE 208 #784 ROSWELL, GA 30076 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS, LLC | MOUNTAIN WEST SERIES DEPT4227 P.O. BOX 650823 DALLAS, TX 752650823 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES OF CO INC | 8110 EAST UNIION AVE SUITE 700 DENVER, CO 80237 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| AMERICAN INSURANCE AND INVESTMENT3 | 448 SOUTH 400 EAST SALT LAKE CITY, UT 34111 | HARTFORD LIFE AND ACCIDENT | $185 | — | $185 | 15.04% |
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 | 1,511 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 1,511 | $265K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,511 | $259K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,511 | $259K |
| Other(3 contracts) | HARTFORD LIFE AND ACCIDENT | 1,511 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,511 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.