| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DUNNING) | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $238K | $93K | $330K | 8.20% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $62K | — | $62K | 1.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $12K | $52K | 16.20% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 PO BOX123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 6.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $6K | $29K | 17.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 6.70% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | ZURICH AMERICAN INSURANCE COMPANY | $19K | — | $19K | 28.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DUNNING) | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $747 | — | $747 | 9.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DUNNING) | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $528 | — | $528 | 8.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DUNNING) | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $223 | — | $223 | 8.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DUNNING) | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $139 | — | $139 | 8.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DUNNING) | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $137 | — | $137 | 8.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DUNNING) | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA DENTAL HEALTH OF MISSOURI INC | $15 | — | $15 | 4.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DUNNING) | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA DENTAL HEALTH OF KENTUCKY, INC | $42 | — | $42 | 12.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DUNNING) | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $17 | — | $17 | 5.20% |
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 | 2,687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,578 | $4.1M |
| Dental(9 contracts, 9 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,578 | $4.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,578 | $4.0M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,687 | $320K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 362 | $170K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,578 | $4.0M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,578 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,687 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.