| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER7 | 1099 18TH ST STE 2870 DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $217K | $217K | 3.05% |
| SAUL R LOCKER7 | 1099 18TH ST STE 2870 DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $202K | $202K | 4.06% |
| SAUL R LOCKER7 | 1099 18TH ST STE 2870 DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $100K | $100K | 2.86% |
| THE BAKER BENEFIT GROUP Filed as: BAKER BENEFIT GROUP | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $110K | $52K | $162K | 40.34% |
| THE BAKER BENEFIT GROUP | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $7K | — | $7K | 1.67% |
| 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 | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $317 | $2K | 20.39% |
| SAUL R LOCKER7 | 1099 18TH ST STE 2870 DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 11.78% |
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 | 18,924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 325 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,046 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | EMBLEMHEALTH DENTAL | 3,540 | $1.0M |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 18,128 | $7.1M |
| Long-term disability(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 15,007 | $5.4M |
| Other(5 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 19,082 | $10.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,082 | — |
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.