| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $90K | $90K | 5.08% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | COMPANION LIFE INSURANCE COMPANY | $23K | $0 | $23K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY LLC | SUITE 500 7300 COLLEGE BLVD OVERLAND PARK, KS 66210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 7.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $452 | $5K | 4.31% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.77% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 Filed as: TRANSCEND TECHNOLOGIES GROUP | 1650 SAMANTHA CREST TRAIL RENO, NV 89523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3601 SOUTHWEST 160TH AVENUE SUITE 200 MIRAMAR, FL 33027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.24% |
| TRANSCEND TECHOLOGIES GROUP INC3 Filed as: TRANSCEND TECHNOLOGIES GROUP I | 3101 ZINFANDEL DRIVE SUITE 200 RANCHO CORDOVA, CA 95670 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.00% |
| ALLIANCE FINANCIAL GROUP3 | 14021 METROPOLIS AVENUE FORT MYERS, FL 33912 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$11 | $0 | -$11 | -0.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ADVANTICA INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 269 | $2.0M |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 128 | $305K |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 238 | $250K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $110K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $110K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $110K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 269 | $2.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.