| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $63K | $65K | 1.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $42K | $51K | 0.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $22K | — | $22K | 6.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DALLAS) | DUNNING SERIES DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 2.88% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 EAST FIRST STREET SUITE 400 SANTA ANA, CA 92705 | TRUSTMARK INSURANCE COMPANY | $42K | — | $42K | 15.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 2100 ROSS AVENUTE SUITE 1200 DALLAS, TX 75201 | TRUSTMARK INSURANCE COMPANY | $34K | — | $34K | 12.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3424 PEACHTREE RD NE #1400 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 5.28% |
| FORSBERG INSURANCE PLANNING3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC. | $4K | — | $4K | 4.25% |
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC. | $720 | — | $720 | 0.75% |
| FORSBERG INSURANCE PLANNING3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC. | $3K | — | $3K | 3.76% |
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC. | $660 | — | $660 | 0.75% |
| FORSBERG INSURANCE PLANNING3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC. | $3K | — | $3K | 3.63% |
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC. | $480 | — | $480 | 0.60% |
| FORSBERG INSURANCE PLANNING3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC. | $3K | — | $3K | 4.13% |
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC. | $540 | — | $540 | 0.87% |
| FORSBERG INSURANCE PLANNING3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC. | $816 | — | $816 | 1.82% |
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC. | $300 | — | $300 | 0.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $460 | $2K | 7.33% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3424 PEACHTREE RD NE #1400 ATLANTA, GA 30326 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 4.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $456 | $125 | $581 | 6.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3424 PEACHTREE RD NE #1400 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $511 | — | $511 | 5.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $90 | $42 | $132 | 11.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3424 PEACHTREE RD NE #1400 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | — | $89 | 7.47% |
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 | 1,290 | 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) | 1,290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,383 | $6.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 711 | $321K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 1,290 | $385K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 5 | $26K |
| Long-term disability | TRUSTMARK INSURANCE COMPANY | 590 | $268K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC. | 8 | $45K |
| Other(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 1,290 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,383 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.