| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 5.54% |
| 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 - FARMINGTON, CT | PO BOX 3207 BOSTON, MA 02241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $78K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $46K |
| AETNA ASA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $0 |
| CORESOURCE EIN 35-1846036 NONE | Claims processing 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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 136 | $19K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 197 | $14K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 308 | $17K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 308 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
No prospect flags tripped on this filing.