| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $1K | $15K | 5.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 11.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.50% |
| MATT SMITH3 | 465 CALIFORNIA STREET, SUITE 433 SAN FRANCISCO, CA 94104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 23.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 20.04% |
| RUBEN ROSA3 | 933 LEE ROAD, SUITE 200 ORLANDO, FL 32810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | $0 | $323 | 0.47% |
| MASOLI LEGACY LLC4 | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 16.69% |
| LOCKTON COMPANIES, LLC4 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $823 | $0 | $823 | 5.05% |
| ABD INS. AND FINANCIAL SVCS., INC.4 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $50 | $0 | $50 | 0.31% |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 315 | $290K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 315 | $290K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $210K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $210K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $210K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.