| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $410K | $0 | $410K | 8.54% |
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PL 16TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $47K | $0 | $47K | 7.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA HEALTH AND LIFE INS CO) | $13K | $0 | $13K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS, INC. | $7K | $0 | $7K | 9.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA HEALTH AND LIFE INS CO) | $12K | — | $12K | 26.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA HEALTH AND LIFE INS CO) | $14K | $0 | $14K | 31.05% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA HEALTH AND LIFE INS CO) | $12K | $0 | $12K | 30.31% |
| LOCKTON COMPANIES, LLC3 | 1185 AVE OF THE AMERICAS SUITE 210 NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | $362 | $2K | 18.32% |
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 | 2,000 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,586 | $4.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,586 | $4.8M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,586 | $5.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,720 | $640K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,720 | $640K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,586 | $4.8M |
| Other(7 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,720 | $947K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,586 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.