| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC7 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 14.95% |
| EMERSON REID LLC7 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $160 | $160 | 0.46% |
| LOCKTON COMPANIES, LLC7 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.25% |
| RJK & ASSOCIATES INC7 | 1800 PEACHTREE ST NW SUITE 605 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.40% |
| LOCKTON COMPANIES, LLC7 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| EMERSON REID LLC7 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $113 | $113 | 0.38% |
| LOCKTON COMPANIES, LLC7 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $612 | — | $612 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 TPA | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | PO BOX 20643 LEHIGH VALLEY, PA 18002 | $280K |
| BOWEN MICLETTE & BRITT INSURANCE EIN 26-3860108 BROKER | Insurance agents and brokers Service code 22 | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | $112K |
| CIGNA | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan 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 | 394 | 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) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 394 | $650K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 394 | $650K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 640 | $33K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 428 | $34K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 394 | $650K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 640 | $654K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.