| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD NE NW, STE 800 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $84K | $14K | $99K | 6.58% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AFLAC | $14K | $0 | $14K | 4.70% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - GA | 444 W. 47TH STREET, STE 900 GLEN ALLEN, MO 23060 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.84% |
| 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 | $271 | $0 | $271 | 10.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - GA | 444 W. 47TH STREET, STE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $148 | $0 | $148 | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Direct payment from the plan; Named fiduciary; Float revenue; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Participant communication Service code 12 | — | $1.1M |
| BOON ADMINISTRATIVE SERVICES, INC. EIN 33-0449333 NONE | Float revenue; Contract Administrator Service code 13 | 6300 BRIDGEPOINT PARKWAY BUILDING 3, STE 500 AUSTIN, TX 78730 | $513K |
| CIGNA | Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Participant communication; Named fiduciary; Other services; 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 | 1,583 | 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) | 1,583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1 | $2K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,836 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,836 | $1.5M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,836 | $1.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,836 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,836 | $1.5M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,538 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,836 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,836 | — |
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.