| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER | 1099 18TH ST DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $75K | $137K | $212K | 3.06% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MASSACHUSETTS | 800 BOYLESTON ST STE 600 BOSTON, MA 02199 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $154K | — | $154K | 2.22% |
| SAUL R LOCKER | 1099 18TH ST DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $210K | $210K | 4.45% |
| SAUL R LOCKER | 1099 18TH ST DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $28K | — | $28K | 1.34% |
| THE BAKER BENEFIT GROUP Filed as: BAKER BENEFIT GROUP | STE 150 170 US ROUTE 1 FALMOUTH, ME 04105 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $46K | $18K | $64K | 24.52% |
| THE BAKER BENEFIT GROUP | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $7K | — | $7K | 2.60% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | — | $5K | 25.00% |
| THE BAKER BENEFIT GROUP Filed as: BAKER BENEFIT GROUP | STE 150 170 US ROUTE 1 FALMOUTH, ME 04105 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $529 | $2K | 22.38% |
| SAUL R LOCKER | 1099 18TH ST DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $464 | $437 | $901 | 9.12% |
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 | 19,083 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 306 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 863 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMBLEMHEALTH DENTAL | 2,230 | $790K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 18,337 | $6.9M |
| Long-term disability(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 15,136 | $5.0M |
| Other(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 20,594 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,594 | — |
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."
No prospect flags tripped on this filing.