| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $599 | $6K | 12.72% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.81% |
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE STREET, SUITE 320 HOUSTON, TX 77057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $187 | $1K | 2.79% |
| LOCKTON COMPANIES, LLC3 | 3657 BRIARPARK DRIVE, SUITE 700 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $839 | $74 | $913 | 4.31% |
| IMA, INC.3 | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77 | $0 | $77 | 0.36% |
| LOCKTON COMPANIES, LLC3 | 3657 BRIARPARK DRIVE, SUITE 700 HOUSTON, TX 77042 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $409 | $44 | $453 | 2.91% |
| IMA, INC.3 | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $0 | $168 | 1.08% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 128 | $745K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 128 | $745K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $46K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $46K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 49 | $16K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 128 | $745K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.