| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $56K | — | $56K | 4.16% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.99% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE RD NE #250 ATLANTA, GA 30305 | DELTA DENTAL OF MISSOURI | $5K | — | $5K | 10.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD ATLANTA, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD ATLANTA, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $792 | $3K | 13.02% |
| AUSTIN FINANCIAL GROUP LLC5 Filed as: AUSTIN FINANCIAL | 38500 WOODWARD AVE STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $837 | $837 | 3.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD ATLANTA, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $5K | $6K | 39.76% |
| AUSTIN FINANCIAL GROUP LLC5 Filed as: AUSTIN FINANCIAL | 38500 WOODWARD AVE STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $864 | $864 | 5.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD NE #250 ATLANTA, GA 30305 | EYEMED VISION CARE | $451 | — | $451 | 4.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD ATLANTA, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $230 | $1K | 17.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD ATLANTA, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $157 | $1K | 16.99% |
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 | 104 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 83 | $1.3M |
| Dental | DELTA DENTAL OF MISSOURI | 150 | $46K |
| Vision | EYEMED VISION CARE | 129 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $48K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 83 | $1.3M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.