| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 75265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $131K | $131K | 2.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | PRINCIPAL LIFE INSURANCE COMPANY | $42K | — | $42K | 11.80% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $20K | $20K | 5.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | DELTA DENTAL OF NEW JERSEY, INC. | $11K | — | $11K | 5.00% |
No Schedule C service providers reported on this filing.
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 366 | $5.3M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 233 | $211K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $356K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $356K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $356K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $356K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
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.