| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (SOUTHEAST) | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | $111K | $129K | 3.33% |
| MATTHEW WING Filed as: MATTHEW DIGREGIO | 444 W. 47TH STREET KANSAS CITY, MO 64112 | CAPITAL HEALTH PLAN | $7K | $0 | $7K | 1.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $3K | $26K | 16.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (SOUTHEAST) | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $2K | $0 | $2K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $125 | — | $125 | 20.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 330741738 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95 | — | $95 | 19.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $74 | $0 | $74 | 19.89% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 245 | $3.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 245 | $3.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 245 | $3.9M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 335 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 335 | $155K |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 335 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.