| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $271K | — | $271K | 2.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $154K | $8K | $161K | 15.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | KAISER FOUNDATION HEALTH PLAN, INC | $10K | $1K | $11K | 5.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | KAISER FOUNDATION HEALTH PLAN, INC | $6K | $800 | $6K | 5.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 25.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 25.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERNORTH BEHAVIOR HEALTH INC EIN 41-1648670 ADMINISTER OF EAP | Contract Administrator; Claims processing; Direct payment from the plan; Participant communication Service code 12 | — | $22K |
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 | 887 | 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) | 902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,782 | $11.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,782 | $11.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,782 | $11.5M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 887 | $1.0M |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 887 | $1.0M |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 887 | $1.0M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,782 | $11.5M |
| Other(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 887 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,782 | — |
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.