| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY-MEDICAL INSURANCE | $0 | $37K | $37K | 3.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (NE SERIES) | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY-MEDICAL INSURANCE | $0 | $18K | $18K | 1.47% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MS 022417484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY-DENTAL INSURANCE | $2K | — | $2K | 4.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (NE SERIES) | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY-DENTAL INSURANCE | $1K | — | $1K | 2.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY-LIFE INSURANCE | $2K | — | $2K | 9.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY-LIFE INSURANCE | $1K | — | $1K | 6.07% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC (NE SERIES) | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY-INDEMNITY CONTRACT | $1K | — | $1K | 6.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY-TEMPORARY DISABILITY | $1K | — | $1K | 9.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY-TEMPORARY DISABILITY | $963 | — | $963 | 6.14% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY LONG-TERM DISABILITY | $1K | — | $1K | 9.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY LONG-TERM DISABILITY | $951 | — | $951 | 6.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE, 15TH FLOOR BOSTON, MA 02110 | EYE MED - VISION | $409 | — | $409 | 3.36% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE ANDREWS ANDREWS BENEFITS | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | LEGAL ACCESS CONSULTING, LLC | $628 | — | $628 | 19.99% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY-MEDICAL INSURANCE | 170 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY-DENTAL INSURANCE | 104 | $59K |
| Vision | EYE MED - VISION | 187 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY-LIFE INSURANCE | 160 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY-TEMPORARY DISABILITY | 45 | $16K |
| Long-term disability | STANDARD INSURANCE COMPANY LONG-TERM DISABILITY | 40 | $15K |
| Other | LEGAL ACCESS CONSULTING, LLC | 12 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.