| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 N LOOP WEST #1100 HOUSTON, TX 77092 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $94K | — | $94K | 11.08% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 N LOOP WEST #1100 HOUSTON, TX 77092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $562 | $8K | 16.10% |
| EMERSON REID LLC7 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.12% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 N LOOP WEST #1100 HOUSTON, TX 77092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $489 | $7K | 16.08% |
| EMERSON REID LLC7 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 3.04% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 N LOOP WEST #1100 HOUSTON, TX 77092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $268 | $4K | 16.09% |
| EMERSON REID LLC7 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $771 | $771 | 3.13% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 N LOOP WEST #1100 HOUSTON, TX 77092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $149 | $1K | 17.08% |
| EMERSON REID LLC7 | 1787 SENTRY PKWY VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $222 | $222 | 3.11% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $904 | $42 | $946 | 22.93% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $26 | $26 | 0.63% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $313 | $16 | $329 | 23.65% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9 | $9 | 0.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIMS ADMINISTRATION | Direct payment from the plan; Claims processing; Other services; Named fiduciary; Participant communication; Contract Administrator; Non-monetary compensation; Float revenue Service code 12 | PO BOX 20643 LEHIGH VALLEY, PA 18002 | $147K |
| CIGNA | Participant communication; Named fiduciary; Direct payment from the plan; Other services; Non-monetary compensation; Float revenue; Claims processing; Contract Administrator Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COM | Other services; Contract Administrator; Non-monetary compensation; Direct payment from the plan; Claims processing; Participant communication; Float revenue; Named fiduciary 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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 488 | $852K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 488 | $852K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $45K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $51K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 488 | $852K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.
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.