| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $110K | $11K | $121K | 2.71% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $114K | $0 | $114K | 2.54% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | KAISER FOUNDATION HEALTH PLAN, INC. | $39K | $0 | $39K | 2.87% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $34K | $0 | $34K | 2.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $129 | $20K | 5.67% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTOTN COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $11K | $31K | 12.04% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 450 SANSOME STREET, SUITE 300 SAN FRANCISCO, CA 94111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 7.68% |
| EA LEGACY LLC5 | 1724 E 5TH AVENUE TAMPA, CA 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 5.78% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 450 SANSOME STREET, SUITE 300 SAN FRANCISCO, CA 94111 | CONCERN HEALTH | $358 | $0 | $358 | 2.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | CONCERN HEALTH | $292 | $0 | $292 | 2.25% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 434 | 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 AND AFFILIATES | 271 | $5.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 561 | $347K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 561 | $347K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $256K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $256K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $256K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 271 | $5.8M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.