| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | UNKNOWN BOSTON, MA 02129 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $48K | $0 | $48K | 1.82% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $210 | $42K | 11.81% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $7K | $23K | 6.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $95 | $95 | 0.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 2.89% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 1.45% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | METLIFE LEGAL PLANS | $2K | $119 | $2K | 13.72% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | UNKNOWN BOSTON, MA 02129 | COMBINED INSURANCE | $4K | $0 | $4K | 44.90% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN BOSTON, MA 02129 | COMBINED INSURANCE | $920 | $0 | $920 | 11.50% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $43 | $0 | $43 | 9.09% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $21 | $9 | $30 | 6.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $5 | $5 | 1.06% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $42 | $0 | $42 | 9.98% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $21 | $8 | $29 | 6.89% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $5 | $5 | 1.19% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $21 | $0 | $21 | 8.97% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $11 | $4 | $15 | 6.41% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $3 | $3 | 1.28% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 285 | $2.8M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $357K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $356K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $364K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $356K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $356K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 285 | $2.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.