| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, INC. | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $179K | $0 | $179K | 29.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, INC. | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | $8K | $27K | 4.44% |
| WEX HEALTH, INC.3 | 1700 EAST GOLF ROAD, SUITE 1000 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 0.38% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | RELIASTAR LIFE INSURANCE COMPANY | $14K | $8K | $23K | 4.76% |
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 | 627 | 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) | 627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,138 | $605K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,138 | $605K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,138 | $477K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,138 | $477K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,138 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,138 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.