| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 0.99% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | — | $39K | 6.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $6K | $24K | 3.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 2.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 6.72% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $3K | $13K | 4.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 14.67% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE STE 250 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $4K | $23K | 12.20% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 14.51% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 250 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $3K | $17K | 12.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 14.58% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE STE 250 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $16K | 12.17% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 1000 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $199 | — | $199 | 0.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $891 | $267 | $1K | 4.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $542 | $542 | 2.01% |
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 | 3,601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,715 | $122K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,601 | $628K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,601 | $629K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,601 | $296K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,601 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,601 | — |
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.