| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, STE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $59K | $59K | 4.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION, STE 700 DENVER, CO 80237 | GREATER GEORGIA LIFE INSURANCE COMPANY | $89K | $9K | $97K | 11.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION, STE 700 DENVER, CO 80237 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $32K | $5K | $38K | 5.21% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AFLAC | $14K | $0 | $14K | 4.70% |
| AFFINITY GROUP UNDERWRITERS3 | 4510 COX ROAD, STE 111 GLEN ALLEN, VA 23060 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 8.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 741738 ATLANTA, GA 30374 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.46% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $111 | $0 | $111 | 0.06% |
| 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 | $2K | $0 | $2K | 10.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - GA | P.O. BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Float revenue; Direct payment from the plan; Participant communication; Named fiduciary; Non-monetary compensation; Other services; Contract Administrator; Claims processing Service code 12 | — | $1.4M |
| BOON ADMINISTRATIVE SERVICES, INC. EIN 33-0449333 NONE | Contract Administrator; Float revenue; Other insurance fees and expenses; Claims processing Service code 12 | 6300 BRIDGEPOINT PARKWAY BUILDING 3, STE 500 AUSTIN, TX 78730 | $385K |
| WITHUMSMITH&BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing) Service code 10 | 465 SOUTH STREET MORRISTOWN, NJ 07960 | $10K |
| CIGNA | Non-monetary compensation; Contract Administrator; Other services; Claims processing; Named fiduciary; Float revenue; Participant communication; Direct payment from the plan 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 | 1,325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,407 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 2,650 | $721K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 2,650 | $721K |
| Life insurance(3 contracts, 3 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,020 | $1.3M |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,020 | $832K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,020 | $832K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,407 | $1.3M |
| Other | AFLAC | 327 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,650 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.