| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE STREET, SUITE 320 HOUSTON, TX 77057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 9.14% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $438 | $0 | $438 | 0.86% |
| PEACHTREE PLANNING OF GEORGIA3 | UNKNOWN SYCAMORE, AL 35149 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE STREET, SUITE 320 HOUSTON, TX 77057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.66% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $61 | $2K | 3.64% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $481 | $29 | $510 | 1.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | $0 | $11 | 0.02% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $580 | $11 | $591 | 3.16% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 93 | $481K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $51K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $50K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 61 | $19K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 93 | $481K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.