| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES. LLC | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $53K | $57K | 3.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $632 | $632 | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES. LLC | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES. LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | $577 | $577 | 0.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $118 | $118 | 0.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES. LLC | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $7K | $0 | $7K | 9.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $745 | $0 | $745 | 6.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES. LLC | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 25.08% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 151 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 151 | $1.9M |
| Vision | VISION SERVICE PLAN | 121 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 177 | $81K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 177 | $81K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 177 | $81K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 177 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.