| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 751 ARBOR WAY SUITE 250 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $126K | — | $126K | 3.82% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 751 ARBOR WAY SUITE 250 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $890K | — | $890K | 40.00% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 751 ARBOR WAY SUITE 250 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | — | $5K | 4.00% |
| AON CONSULTING INC Filed as: AON CONSULTING INC. | 199 WATER STREET NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 29.99% |
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 | 8,475 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 7,325 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,876 | $333K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 10,059 | $764K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 8,475 | $3.3M |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 3,301 | $2.2M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 8,475 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,059 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.