| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $61K | $61K | 6.13% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 104 CRANDON BOULEVARD, SUITE 309 KEY BISVAYNE, FL 33149 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.70% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 9.90% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.43% |
| LOCKTON COMPANIES, LLC5 | THREE CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | TRANSAMERICA INSURANCE CO. | $3K | $0 | $3K | 12.79% |
| WEB TPA5 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $2K | $0 | $2K | 6.47% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $1K | $0 | $1K | 6.32% |
| IMPACT INTERACTIVE LLC3 Filed as: IMPACT INTERACTIVE, LLC | PO BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $434 | $0 | $434 | 1.86% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS, LLC | 23505 SMITHTOWN ROAD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | -$1 | $0 | -$1 | -0.00% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: THE BERENGUER GROUP | 104 CRANDON BOULEVARD, SUITE 309 BISCAYNE, FL 33419 | TRANSAMERICA INSURANCE CO. | -$15 | $0 | -$15 | -0.06% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 335 | $999K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 299 | $71K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 299 | $71K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 340 | $43K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 340 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 340 | $43K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 335 | $999K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 340 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.