| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | $96K | — | $96K | 7.73% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC | 9575 KATY FREEWAY SUITE 150 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | $31K | — | $31K | 2.47% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 11.62% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 5.64% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC | 9575 KATY FREEWAY SUITE 150 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.38% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 11.68% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 5.91% |
| GBS BENEFITS INC Filed as: GBS HOUSTON INC | 9575 KATY FREEWAY SUITE 150 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $981 | — | $981 | 1.11% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 11.62% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.72% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC | 9575 KATY FREEWAY SUITE 150 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.38% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.13% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $899 | $899 | 6.57% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC | 9575 KATY FREEWAY SUITE 150 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $336 | — | $336 | 2.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIMS ADMINISTRATION | Direct payment from the plan; Named fiduciary; Float revenue; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Participant communication Service code 12 | PO BOX 20643 LEHIGH VALLEY, PA 18002 | $127K |
| EVERNORTH CARE SOLUTIONS, INC. EIN 86-1465626 PLAN ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | 1 EXPRESS WAY SAINT LOUIS, MO 63121 | $6K |
| CIGNA | Contract Administrator; Other services; Named fiduciary; Float revenue; Claims processing; Direct payment from the plan; Non-monetary compensation; Participant communication Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COM | Direct payment from the plan; Claims processing; Other services; Named fiduciary; Participant communication; Contract Administrator; Non-monetary compensation; Float revenue Service code 12 | — | $0 |
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 | 347 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 569 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 569 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $88K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $104K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 569 | $1.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.