| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $18K | $116K | $134K | 3.32% |
| MATTHEW WING3 Filed as: MATTHEW DIGREGOIO | 444 W 47TH STREET KANSAS CITY, MO 64112 | CAPITAL HEALTH PLAN | $16K | $0 | $16K | 2.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (FLORIDA) | C/O BANK OF AMERICA P.O. BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $4K | $35K | 16.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (SOUTHEAST) | C/O BANK OF AMERICA P.O. BOX 741738 ATLANTA, GA 30374 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $2K | — | $2K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1200 SW 145TH STREET SUITE 140A PEMBROKE PINES, FL 33027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 19.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES | 1200 SW 145TH STREET SUITE 140A PEMBROKE PINES, FL 33027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 19.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1200 SW 145TH STREET SUITE 140A PEMBROKE PINES, FL 33027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 19.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (SOUTHEAST) | C/O BANK OF AMERICA P.O. BOX 741738 ATLANTA, GA 30374 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $7 | $0 | $7 | 10.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (SOUTHEAST) | C/O BANK OF AMERICA P.O. BOX 741738 ATLANTA, GA 30374 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $5 | $0 | $5 | 10.87% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 230 | $4.0M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 230 | $4.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 230 | $4.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $219K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $219K |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 326 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.