| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1715 AARON BRENNER DRIVE, SUITE 512 MEMPHIS, TN 38104 | COMPANION LIFE INSURANCE COMPANY | $9K | $21 | $9K | 6.47% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 6000 POPLAR AVE STE 300 MEMPHIS, TN 38119 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 2.40% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 2.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | COMPANION LIFE INSURANCE COMPANY | $403 | — | $403 | 0.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1715 AARON BRENNER DRIVE STE 512 MEMPHIS, TN 38104 | COMPANION LIFE INSURANCE COMPANY | $9K | $21 | $9K | 9.83% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 7.50% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 6000 POPLAR AVE STE 300 MEMPHIS, TN 38119 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 4.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 1.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1715 AARON BRENNER DR STE 512 MEMPHIS, TN 38104 | COMPANION LIFE INSURANCE COMPANY | $4K | $21 | $4K | 9.81% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 7.38% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 6000 POPLAR AVE STE 300 MEMPHIS, TN 38119 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NE 28211 | COMPANION LIFE INSURANCE COMPANY | $451 | — | $451 | 1.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1715 AARON BRENNER DR STE 512 MEMPHIS, TN 38104 | COMPANION LIFE INSURANCE COMPANY | $1K | $21 | $1K | 6.53% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 4.82% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 6000 POPLAR AVE STE 300 MEMPHIS, NE 38119 | COMPANION LIFE INSURANCE COMPANY | $506 | — | $506 | 2.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | COMPANION LIFE INSURANCE COMPANY | $173 | — | $173 | 0.82% |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 294 | $146K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 221 | $21K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 404 | $135K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 178 | $95K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 404 | $41K |
| Other(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 404 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.