| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 5.37% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 06870 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 1.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 3.65% |
| MICHAEL JOHNSON3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $299 | $0 | $299 | 0.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 6.30% |
| MICHAEL JOHNSON3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $587 | $0 | $587 | 1.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 9.93% |
| MICHAEL JOHNSON3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $767 | $0 | $767 | 2.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $810 | $0 | $810 | 8.42% |
| MICHAEL JOHNSON3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $345 | $0 | $345 | 3.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services; Float revenue; Claims processing; Non-monetary compensation Service code 12 | — | $188K |
| LOCKTON COMPANIES, LLC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | $67K |
| MICHAEL JOHNSON NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 8 HILLCREST PARK RD OLD GREENWICH, CT 06870 | $21K |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $900K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 154 | $131K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 154 | $131K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $100K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $26K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $900K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.