| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79K | — | $79K | 2.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 94184 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$857 | $624 | -$233 | -0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 5.50% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 3.87% |
| PAYCOR INC3 | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.40% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 5.44% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.65% |
| PAYCOR INC3 | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 11.83% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 6.64% |
| PAYCOR INC3 | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.91% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $335 | $2K | 7.61% |
| PAYCOR INC3 | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$109 | $2K | $2K | 5.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 16.04% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $192 | $2K | 7.21% |
| PAYCOR INC3 | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$81 | $1K | $1K | 5.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.71% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $299 | $1K | 7.69% |
| PAYCOR INC3 | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $279 | $279 | 1.61% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $173 | $3K | 18.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.20% |
| PAYCOR INC3 | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$58 | $1K | $1K | 8.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $37 | — | $37 | 3.69% |
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 | 704 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $3.3M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $3.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 716 | $80K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $167K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 717 | $109K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $3.3M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 716 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.