| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | $272K | $309K | 4.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN INC | $29K | $0 | $29K | 4.84% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 709 EAST SOUTH TEMPLE SALT LAKE CITY, UT 84102 | KAISER FOUNDATION HEALTH PLAN INC | -$12 | $0 | -$12 | -0.00% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW SUITE 900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $0 | $40K | 11.36% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $0 | $17K | 13.43% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW SUITE 200 WASHINGTON, DC 20006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.62% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW SUITE 900 WASHINGTON, DC 20009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $70 | $6K | 9.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $740 | $740 | 1.12% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.03% |
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 | 791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 590 | $8.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 590 | $7.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 964 | $66K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 791 | $352K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 791 | $352K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 791 | $352K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 590 | $8.3M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 791 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.