| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES INC | PO BOX 843844 KANSAS CITY, MO 64184 | EYEMED VISION CARE | $1K | — | $1K | 1.10% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $5K | — | $5K | 7.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 400 KANSAS CITY, MO 64112 | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | $4K | — | $4K | 6.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | 280 TRUMBULL ST HARTFORD, CT 06152 | $1.1M |
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 | 1,314 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 2 | $69K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 310 | $126K |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 1,574 | $187K |
| Other | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | 310 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,574 | — |
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.