| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $124K | $144K | 3.21% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $32K | $0 | $32K | 9.98% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 2.17% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $113 | $14 | $127 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 10.84% |
| NICOLE GOLDEN3 Filed as: NICOLE D. GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 9.16% |
| DISCOVER THE POWER LLC3 | 7909 CONCORD HILLS DRIVE, SUITE 105 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $988 | $0 | $988 | 0.96% |
| CLAY E. JOHNSON3 | 928 LONGWOOD BLUFFS CIRCLE MURRELLS INLET, SC 29576 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONAL VISION ADMINISTRATORS, LLC | $4K | $0 | $4K | 10.00% |
| NICOLE GOLDEN3 | PO BOX 562 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $947 | $0 | $947 | 20.61% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 300 ST LOUIS, MO 63141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $146 | $0 | $146 | 3.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $66 | $66 | 1.44% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 484 | $4.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 484 | $4.5M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 608 | $42K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 368 | $318K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 368 | $318K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 368 | $318K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 484 | $4.5M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 368 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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.