| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4221 WEST SCOUT BOULEVARD SUITE 550 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $960 | $0 | $960 | 0.09% |
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $935 | $0 | $935 | 0.09% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $568 | $568 | 0.32% |
| EKA BROKERAGE SERVICES, INC.3 Filed as: EKA BROKERAGE SERVICES | 157 EAST MAIN STREET, SUITE 100 HUNTINGTON, NY 11743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.60% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $612 | $0 | $612 | 2.39% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $176K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $176K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $93K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $93K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.1M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.