| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA P.O. BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 12.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 2.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (SOUTHEAST) | C/O BANK OF AMERICA P.O. BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.96% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $528 | — | $528 | 0.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1200 SW 145TH AVENUE SUITE 140A PEMBROKE PINES, FL 33027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 18.66% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $871 | — | $871 | 4.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1200 SW 145TH AVENUE SUITE 140A PEMBROKE PINES, FL 33027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 14.92% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $662 | — | $662 | 3.40% |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 350 | $906K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 240 | $162K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 240 | $162K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 554 | $233K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 554 | $233K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 554 | $233K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 554 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.