| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738 COLLEGE PARK, GA 30349 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | — | $76K | 6.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 PASADENA, CA 911098299 | DELTA DENTAL INSURANCE COMPANY | $20K | — | $20K | 6.67% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 COLLEGE PARK, GA 30349 | DELTA DENTAL INSURANCE COMPANY | $15K | — | $15K | 5.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738 COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $8K | $24K | 11.42% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 7.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA ATLANTA, GA 303741738 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $5K | $22K | 13.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 7.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738 COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $5K | $17K | 10.33% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 8.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, STE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 10.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE ROAD NE SUITE 800 ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 7.19% |
| JENNINGS INSURANCE SERVICES3 | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32832 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 410 S RAMPART BOULEBARD SUITE 390 LAS VEGAS, NV 89145 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $427 | — | $427 | 0.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738 COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $630 | $2K | 12.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738 COLLEGE PARK, GA 30349 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $124 | $124 | 2.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSING | Claims processing Service code 12 | — | $61K |
| CIGNA | Direct payment from the plan; Float revenue; Participant communication; Other services; Claims processing; Non-monetary compensation; Named fiduciary; Contract Administrator 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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 324 | $1.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 810 | $302K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 324 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 435 | $166K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $213K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $163K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 510 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.