| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOMINIC A MORRONE3 Filed as: DOMINIC MORONE | 900 RT 168 N STE A-1 TURNERSVILLE, NJ 08012 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 015399 | 1185 AVENUE OF THE AMERICAS STE. 2010 NEW YORK, NY 10036 | HORIZON HEALTHCARE SERVICES, INC. | $1K | — | $1K | 5.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - FARMINGTON, CT | PO BOX 3207 BOSTON, MA 02241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $101K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Direct payment from the plan; Non-monetary compensation; Claims processing; Other services; Named fiduciary; Float revenue; Participant communication; Contract Administrator Service code 12 | — | $56K |
| CIGNA | Non-monetary compensation; Direct payment from the plan; Float revenue; Other services; Claims processing; Named fiduciary; Contract Administrator; Participant communication Service code 12 | — | $0 |
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 | 509 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 163 | $26K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 243 | $19K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 509 | $28K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 509 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.