| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE SUITE 140A PEMBROKE PINES, GA 33027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $113K | $152K | 3.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 0.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $3K | $36K | 7.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3800 COLONNADE PARKWAY, #150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 5.16% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, #150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 3.36% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 3.03% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | — | $2K | $2K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1200 SW 145TH AVENUE SUITE 140A MIRAMAR, FL 33027 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $4.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $4.0M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 454 | $466K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 454 | $466K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 454 | $466K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $4.0M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 454 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.