| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC | 900 N MICHIGAN AVE 15TH FLOOR CHICAGO, IL 60611 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $103K | $2K | $105K | 3.05% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 318 E CARRUTH LANE DOUBLE OAK, TX 75077 | HARTFORD LIFE AND ACCIDENT | $30K | $111K | $141K | 4.87% |
| PAUL FLOTKEN3 | 526 CONWAY VILLAGE ST LOUIS, MO 63141 | HARVARD PILGRIM HEALTH CARE | $37K | — | $37K | 1.74% |
| PAUL FLOTKEN3 | 526 CONWAY VILLAGE SAINT LOUIS, MO 63141 | HARVARD PILGRIM HEALTH CARE | $31K | — | $31K | 2.43% |
| PAUL FLOTKEN3 | 526 CONWAY VILLAGE SAINT LOUIS, MO 63141 | HARVARD PILGRIM HEALTH CARE | $23K | — | $23K | 2.49% |
| PAUL FLOTKEN3 | 526 CONWAY VILLAGE SAINT LOUIS, MO 63141 | HARVARD PILGRAM HEALTH CARE | $10K | — | $10K | 1.80% |
| PAUL FLOTKEN3 | 526 CONWAY VILLAGE ST LOUIS, MO 63141 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 1.54% |
| PAUL FLOTKEN3 Filed as: PAUL E FLOTKEN | 526 CONWAY VILLAGE SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 10.64% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVENUE GUNTERSVILLE, AL 35976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.51% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 318 E CARRUTH LANE DOUBLE OAK, TX 75077 | HARTFORD LIFE AND ACCIDENT | $2K | $11K | $13K | 7.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 631417088 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 11.06% |
| TEMPO HOLDINGS COMPANY LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 631417088 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 11.30% |
| TEMPO HOLDINGS COMPANY LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 631417088 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 10.60% |
| TEMPO HOLDINGS COMPANY LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 3.98% |
| PAUL FLOTKEN3 | 526 CONWAY VILLAGE SAINT LOUIS, MO 63141 | HARVARD PILGRAM HEALTH CARE | $721 | — | $721 | 1.70% |
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 | 3,440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 7 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 4,482 | $38.1M |
| Dental(5 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 4,482 | $15.9M |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 9,902 | $6.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 12,010 | $2.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 12,010 | $2.9M |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 1,047 | $5.6M |
| Other(8 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 42,431 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,431 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.