| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP W, SUITE 400 HOUSTON, TX 77008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $95K | — | $95K | 10.65% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $461 | $7K | 16.04% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $446 | $7K | 16.10% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $292 | $5K | 15.92% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $221 | $3K | 16.04% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $352 | — | $352 | 19.99% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31 | — | $31 | 20.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 57-1031071 CLAIMS ADMINISTRATION | Other services; Contract Administrator; Participant communication; Non-monetary compensation; Direct payment from the plan; Claims processing; Float revenue; Named fiduciary Service code 12 | PO BOX 20643 LEHIGH VALLEY, PA 18002 | $187K |
| CIGNA | Float revenue; Other services; Non-monetary compensation; Participant communication; Named fiduciary; Claims processing; Direct payment from the plan; Contract Administrator 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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 529 | $893K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 529 | $893K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $40K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $44K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 529 | $893K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.