| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC ( SOUTHEAST ) | P.O. BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $100K | $114K | 3.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC ( SOUTHEAST ) | P.O. BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $4K | $25K | 17.15% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 7855 SW 104TH STREET SUITE 100 MIAMI, FL 33156 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC ( SOUTHEAST ) | 1200 SW 145TH AVENUE SUITE 140A PEMBROKE PINES, FL 33027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $599 | — | $599 | 2.28% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC ( SOUTHEAST ) | P.O. BOX 741738 ATLANTA, GA 30374 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $2K | $0 | $2K | 10.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC ( SOUTHEAST ) | P.O. BOX 741738 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 19.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC ( SOUTHEAST ) | P.O. BOX 741738 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 20.01% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC ( SOUTHEAST ) | P.O. BOX 741738 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $649 | — | $649 | 20.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 7855 SW 104TH STREET SUITE 100 MIAMI, FL 33156 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $77 | $0 | $77 | 7.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC ( SOUTHEAST ) | 1200 SW 145TH AVENUE SUITE 140A PEMBROKE PINES, FL 33027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23 | — | $23 | 2.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC ( SOUTHEAST ) | P.O. BOX 741738 ATLANTA, GA 30374 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $2 | $0 | $2 | 8.70% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 254 | $3.5M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 254 | $3.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 254 | $3.5M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 306 | $174K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 306 | $148K |
| Other(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 306 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.