| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $48K | $48K | 1.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 0.11% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | $3K | $41K | 19.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $1K | $20K | 19.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | COMPBENEFITS | $15K | — | $15K | 15.25% |
| JAMES L HUFSTETLER3 | PO BOX 536246 ORLANDO, FL 32853 | COMPBENEFITS | -$753 | — | -$753 | -0.79% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $668 | $9K | 19.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 11.18% |
| JAMES HUFSTETLER3 Filed as: JAMES L. HUFSTETLER SR. | PO BOX 536246 ORLANDO, FL 32853 | HUMANA INSURANCE COMPANY | -$94 | — | -$94 | -0.25% |
| VARIOUS - SEE ATTACHMENT3 | POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $36 | $2K | 6.52% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | COMPBENEFITS | $3K | — | $3K | 16.51% |
| JAMES HUFSTETLER3 Filed as: JAMES L. HUFSTETLER SR. | PO BOX 536246 ORLANDO, FL 32853 | COMPBENEFITS | -$96 | — | -$96 | -0.63% |
| VARIOUS - SEE ATTACHMENT3 | POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $615 | $1 | $616 | 6.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | COMPBENEFITS | $108 | — | $108 | 15.41% |
| JAMES L HUFSTETLER3 | PO BOX 536246 ORLANDO, FL 32853 | COMPBENEFITS | -$6 | — | -$6 | -0.86% |
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 | 856 | 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) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 458 | $4.0M |
| Dental(2 contracts) | COMPBENEFITS | 71 | $16K |
| Vision(2 contracts, 2 carriers) | COMPBENEFITS | 375 | $133K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 852 | $260K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $95K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $103K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 458 | $4.0M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 852 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.