| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $137K | $137K | 1.77% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 6.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | -$42 | $0 | -$42 | -0.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $0 | $19K | 13.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02110 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 5.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1 | $0 | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.72% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 13.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $345 | $0 | $345 | 10.00% |
| MML INSURANCE AGENCY LLC3 | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | — |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 513 | $7.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 341 | $505K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 716 | $43K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 367 | $178K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 367 | $160K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 367 | $178K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 513 | $7.7M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 367 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.