| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KONA HR CONSULTING GROUP LLC3 Filed as: KONA HR CONSULTING GROUP | P.O. BOX 755 SOUTHPORT, CT 06890 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $69K | $76K | 3.05% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA P.O. BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $14K | $16K | 0.62% |
| KONA HR CONSULTING GROUP LLC3 Filed as: KONA HR CONSULTING | P.O. BOX 755 SOUTHPORT, CT 06890 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DRIVE SUITE 510 CHARLOTTE, NC 28210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $159 | — | $159 | 0.41% |
| KONA HR CONSULTING GROUP LLC3 Filed as: KONA HR CONSULTING GROUP, LLC | 9 GODREY LANE WESTPORT, CT 068804007 | VISION SERVICE PLAN | $1K | — | $1K | 4.77% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 741738 ATLANTA, GA 303741738 | VISION SERVICE PLAN | $124 | — | $124 | 0.58% |
| KONA HR CONSULTING GROUP LLC3 Filed as: KONA HR CONSULTING | P.O. BOX 755 SOUTHPORT, CT 06890 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DRIVE SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $347 | $3K | 18.15% |
| KONA HR CONSULTING GROUP LLC3 Filed as: KONA HR CONSULTING | P.O. BOX 755 SOUTHPORT, CT 06890 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| GOODRUM, PHILLIP, PORTER3 | 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $310 | — | $310 | 11.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DRIVE SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $133 | $12 | $145 | 5.54% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $26 | $26 | 0.99% |
| KONA HR CONSULTING GROUP LLC3 Filed as: KONA HR CONSULTING | P.O. BOX 755 SOUTHPORT, CT 06890 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $182 | — | $182 | 13.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DRIVE SUITE 510 CHARLOTTE, NC 28210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18 | — | $18 | 1.35% |
| GOODRUM, PHILLIP, PORTER3 | 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 15.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DRIVE SUITE 510 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $2 | $25 | 7.37% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3 | $3 | 0.88% |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 186 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 186 | $2.5M |
| Vision | VISION SERVICE PLAN | 114 | $22K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 324 | $29K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $39K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.