| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $86K | $0 | $86K | 2.56% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LEE RISK MANAGEMENT, INC. | 31 PELL STREET NEW YORK, NY 10013 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 0.72% |
| LIFE STAGES WEALTH SOLUTIONS, INC.3 | UNKNOWN STATEN ISLAND, NY 10312 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 0.72% |
| HAROLD L LEE & SONS INC3 Filed as: HAROLD L. LEE AND SONS, INC. | 31 PELL STREET NEW YORK, NY 10013 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $4K | $7K | 4.41% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD, SUITE 741738 COLLEGE PARK, GA 30349 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $129 | $2K | 0.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $875 | $875 | 0.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 31 PELL STREET NEW YORK, NY 10013 | PRINCIPAL LIFE INSURANCE COMPANY | $743 | $0 | $743 | 4.20% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | PRINCIPAL LIFE INSURANCE COMPANY | $618 | $0 | $618 | 3.50% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $202 | $202 | 1.14% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 313 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $168K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $18K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $168K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 313 | $3.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.