| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $480K | $11K | $491K | 20.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 2.72% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $7K | $4K | $11K | 4.19% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING INC. | 135 CROSSWAYS PARK DRIVE P.O. BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 0.74% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 64112 KANSAS CITY, MO 64112 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | $3K | $8K | 3.70% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING INC. | 135 CROSSWAYS PARK DRIVE P.O. BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 0.72% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | $727 | $5K | 10.37% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING INC. | 135 CROSSWAYS PARK DRIVE P.O. BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $333 | $333 | 0.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 HRA ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $57K |
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 | 2,646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,651 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,646 | $2.8M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,646 | $2.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,646 | $2.4M |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,032 | $216K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,032 | $255K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,646 | $2.4M |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,032 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,646 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.