| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION, STE 700 DENVER, CO 80237 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $23K | $40K | $63K | 9.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION, STE 700 DENVER, CO 80237 | GREATER GEORGIA LIFE INSURANCE COMPANY | $46K | $4K | $49K | 8.82% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, STE 1200 DALLAS, TX 75201 | HCC | $21K | $20K | $42K | 9.75% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY, INC | 6300 BRIDGEPOINT PKWY BLDG 3, STE 500 AUSTIN, TX 78730 | ACE COMPANIES | $12K | $0 | $12K | 10.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - GA | P.O. BOX 741738 ATLANTA, GA 30374 | ACE COMPANIES | $8K | $0 | $8K | 6.71% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY, INC. | 6300 BRIDGEPOINT PARKWAY BUILDING 3, STE 500 AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - GA | P.O. BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $778 | $0 | $778 | 3.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Non-monetary compensation; Claims processing; Direct payment from the plan; Contract Administrator; Other services; Named fiduciary; Participant communication; Float revenue Service code 12 | — | $1.0M |
| BOON ADMINISTRATIVE SERVICES, INC. EIN 33-0449333 NONE | Contract Administrator; Claims processing; Float revenue; Other insurance fees and expenses Service code 12 | 6300 BRIDGEPOINT PARKWAY BUILDING 3, STE 500 AUSTIN, TX 78730 | $493K |
| WITHUMSMITH&BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing) Service code 10 | 465 SOUTH STREET MORRISTOWN, NJ 07960 | $20K |
| COMERICA BANK NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 8850 BOEDECKER STREET MAIL CODE 6581 DALLAS, TX 75225 | $6K |
| CIGNA | Other services; Contract Administrator; Participant communication; Non-monetary compensation; Direct payment from the plan; Claims processing; Float revenue; Named fiduciary 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 | 1,649 | 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) | 1,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HCC | 1,410 | $566K |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 3,798 | $657K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 3,798 | $657K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,030 | $560K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,030 | $560K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,030 | $560K |
| Stop-loss / reinsurancereinsurance | HCC | 1,410 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,798 | — |
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.