| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 675382 DALLAS, TX 75267 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $177K | $177K | 1.23% |
| OAKBRIDGE INSURANCE AGENCY, LLC3 | PO BOX 1049 LAWRENCE, GA 30241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $29K | $127K | $157K | 1.09% |
| LOCKTON COMPANIES, LLC3 | PO BOX 675382 DALLAS, TX 75267 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $9K | $9K | 0.06% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65K | $8K | $72K | 9.49% |
| OAKBRIDGE INSURANCE AGENCY, LLC3 | 200 BROAD STREET LAGRANGE, GA 30240 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | $0 | $36K | 4.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $19K | $19K | 2.46% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $12K | $0 | $12K | 10.33% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.23% |
| OAKBRIDGE INSURANCE AGENCY, LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY | 887 WEST MARIETTA STREET N-108 ATLANTA, GA 30318 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 4.62% |
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 | 1,500 | 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) | 1,500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 942 | $14.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 942 | $14.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,505 | $114K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,472 | $763K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,472 | $763K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,472 | $763K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 942 | $14.4M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,472 | $830K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,505 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.