| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $562K | $0 | $562K | 4.26% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $74K | $28K | $102K | 7.26% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56K | $0 | $56K | 23.89% |
| DBE ASSOCIATES, INC.4 | 762 E. HISTORIC COLUMBIA RIVER HWY. TROUTDALE, OR 97060 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $98 | $0 | $98 | 3.21% |
| RICH COHEN4 | 945 NW CIRCLE BOULEVARD APARTMENT 36 CORVALLIS, OR 97330 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $79 | $0 | $79 | 2.59% |
| DONALD EMETT4 | 762 E. HISTORIC COLUMBIA RIVER HWY. TROUTDALE, OR 97060 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $66 | $0 | $66 | 2.16% |
| ASSUREDPARTNERS4 Filed as: MICKEY E. SHEPHERD | 17 CARDINAL LANE ESSEX, MD 21221 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | $0 | $35 | 1.15% |
| MARIA SCHWARTZ4 | 312 VIA PROMESA SAN CLEMENTE, CA 92673 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.92% |
| CHELSEA ADDISON4 | PO BOX 1405 SPRING VALLEY, CA 91979 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.92% |
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 | 1,145 | 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) | 1,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,574 | $13.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,574 | $13.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,574 | $13.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,145 | $1.4M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,145 | $1.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,145 | $1.4M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,574 | $13.2M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,414 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,574 | — |
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.