| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $187K | $0 | $187K | 5.25% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $44K | $44K | 1.23% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $91K | $30K | $121K | 10.22% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM | PO BOX 850411 MINNEAPOLIS, MN 554850411 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $104K | $104K | 8.75% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: THE ULTIMATE SOFTWARE GROUP INC | 1485 NORTH PARK DRIVE WESTON, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | -$19K | -$19K | -1.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738 COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $103K | $30K | $133K | 12.90% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM | PO BOX 850411 MINNEAPOLIS, MN 554850411 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $90K | $90K | 8.75% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: THE ULTIMATE SOFTWARE GROUP INC | 1485 NORTH PARK DRIVE WESTON, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | -$16K | -$16K | -1.55% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71K | $21K | $92K | 12.95% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM | PO BOX 850411 MINNEAPOLIS, MN 554850411 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $63K | $63K | 8.84% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: THE ULTIMATE SOFTWARE GROUP INC | 1485 NORTH PARK DRIVE WESTON, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | -$11K | -$11K | -1.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 303741738 | CIGNA HEALTH AND LIFE INSURANCE | $26K | $0 | $26K | 9.78% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE | $0 | $3K | $3K | 1.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 303741738 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 11.75% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $254 | $4K | 10.66% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 1000 FLOOR 10 ATLANTA, GA 30305 | METROPOLITAN GENERAL INSURANCE COMPANY | $312 | $0 | $312 | 0.81% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH ST SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $191 | $191 | 0.50% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $158 | $158 | 0.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3280 PEACHTREE ROAD NE SUITE 250 ATLANTA, GA 30305 | METROPOLITAN GENERAL INSURANCE COMPANY | -$312 | $0 | -$312 | -0.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738 COLLEGE PARK, GA 30349 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $88 | $88 | 2.66% |
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 | 2,942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,658 | $3.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,658 | $3.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,861 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,942 | $1.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,553 | $711K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,658 | $3.6M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 1,019 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,658 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.