| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | GUARDIAN | $27K | $9K | $36K | 13.86% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES, INC. | 6000 LAKE FOREST DRIVE SUITE 107 ATLANTA, GA 30328 | GUARDIAN | $4K | — | $4K | 1.69% |
| LOCKTON COMPANIES, LLC7 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $375 | $4K | 11.30% |
| RJK & ASSOCIATES INC3 | 1800 PEACHTREE ST NW SUITE 605 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.33% |
| LOCKTON COMPANIES, LLC7 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $380 | $5K | 16.31% |
| LOCKTON COMPANIES, LLC7 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $288 | $5K | 22.06% |
| LOCKTON COMPANIES, LLC7 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $615 | $54 | $669 | 16.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 TPA | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | PO BOX 20643 LEHIGH VALLEY, PA 18002 | $302K |
| BOWEN MICLETTE & BRITT INSURANCE EIN 26-3860108 BROKER | Insurance agents and brokers Service code 22 | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | $140K |
| CIGNA | Direct payment from the plan; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Other services Service code 12 | — | $0 |
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 | 303 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 391 | $260K |
| Vision | GUARDIAN | 391 | $260K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 806 | $32K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 391 | $284K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 519 | $29K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 303 | $525K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 806 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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.