| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | $111K | $130K | 3.36% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE PEMBROKE PINES, FL 33027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $0 | $47K | 14.12% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 2.42% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $473 | $473 | 0.14% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 23.33% |
| LOCKTON COMPANIES, LLC3 | 2601 VICTORY AVE SUITE 1500 DALLAS, TX 75219 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 2.25% |
| LOCKTON COMPANIES, LLC4 | 3280 PEACHTREE RD NE SUITE 250 ATLANTA, GA 30305 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $664 | — | $664 | 21.01% |
| DORSEY & ASSOCIATES, INC.4 Filed as: DORSEY & ASSOCIATES INC | 1655 VINERY AVE CUMMING, GA 30041 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $47 | — | $47 | 1.49% |
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 | 624 | 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) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 386 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 386 | $3.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 386 | $3.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 614 | $334K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 614 | $334K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 614 | $334K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 614 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.