| 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 | $110K | — | $110K | 11.19% |
| 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 | — | $678 | $678 | 2.26% |
| 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 | — | $2K | $2K | 9.10% |
| 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 | 13.56% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $483 | $483 | 4.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIMS ADMINISTRATION | Participant communication; Named fiduciary; Float revenue; Claims processing; Contract Administrator; Direct payment from the plan; Other services; Non-monetary compensation Service code 12 | PO BOX 20643 LEHIGH VALLEY, PA 18002 | $66K |
| CIGNA | Non-monetary compensation; Other services; Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Participant communication; Float revenue Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COM | Direct payment from the plan; Named fiduciary; Float revenue; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Participant communication 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 | 298 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 526 | $985K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 526 | $985K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 298 | $18K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 298 | $30K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 526 | $985K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 344 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.