| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $169K | $41 | $169K | 4.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.07% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS NORTHEAST, INC. | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 8.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $888 | — | $888 | 1.09% |
| PREFERRED BENEFITS GROUP3 | 80 EAST STATE ROUTE 4 SUITE 245 PARAMUS, NJ 07652 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $5K | $10K | 12.70% |
| FERRARA FINANCIAL GROUP, LLC3 | 1150 RARITAN RD CRANFORD, NJ 07016 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $100 | — | $100 | 0.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $337 | $474 | $811 | 24.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 5500 WAYZATA BLVD MINNETONKA, MN 55416 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $135 | — | $135 | 9.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 12750 MERIT DR #1000 DALLAS, TX 75240 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $70 | — | $70 | 5.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 5420 LBJ FREEWAY, STE 400 DALLAS, TX 75240 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $66 | — | $66 | 4.88% |
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 | 5,957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 107 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 143 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $242K |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 40 | $320K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 6,987 | $624K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,982 | $4.1M |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,982 | $4.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $160K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,982 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,982 | — |
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.