| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | UNKNOWN BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 0.50% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE MERIDEN, CT 06450 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $682 | $0 | $682 | 2.48% |
| TONYA S. LANCASTER AND OTHER AGENTS3 | 1090 HERSEY DRIVE MARIETTA, GA 30062 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.26% |
| SYNERGY CORPORATE SERVICES, INC.3 Filed as: SYNERGY CORPORATE SERVICES INC | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | TRANSAMERICA LIFE INSURANCE COMPANY | $295 | $0 | $295 | 1.17% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 210 INTERSTATE NORTH PARKWAY SE SUITE 400 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $236 | $0 | $236 | 0.93% |
| SHERI L MITCHELL INC3 Filed as: SHERI L. MITCHELL | 5195 CANDUN CIRCLE SUGAR HILL, GA 30518 | TRANSAMERICA LIFE INSURANCE COMPANY | $95 | $0 | $95 | 0.38% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R. SLADE SR | 1210 KINGS BROOK DRIVE SOUTHLAKE, TX 76092 | TRANSAMERICA LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | TRANSAMERICA LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.16% |
| LORI A. VEILLETTE3 | 48 ACADEMY HILL ROAD EXTENSION DERBY, CT 06418 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN EAST HARTFORD, CT 06108 | LEGAL CLUB OF AMERICA | $1K | $0 | $1K | 21.49% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 364 | $2.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 364 | $2.9M |
| Vision | AETNA LIFE INSURANCE COMPANY | 364 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 226 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $0 |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 364 | $2.9M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.