| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 7650 EDINBOROUGH WAY, SUITE 100 EDINA, MN 55435 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $64K | $64K | 2.60% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF NORTH CAROLINA | $6K | — | $6K | 3.78% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 12.70% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $5K | 16.83% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 20.74% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $837 | $2K | 15.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 190 RIVER ROAD, SUITE 101 SUMMIT, NJ 07901 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $425 | $193 | $618 | 17.46% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $396 | $146 | $542 | 20.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | P.O. BOX 9375 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 3.51% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 1616 E MILLBROOK ROAD, SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 ADMINISTRATOR | Contract Administrator Service code 13 | — | $5K |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $2.5M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 409 | $148K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 340 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $15K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $42K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $31K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 420 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.