| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD NE SUITE 250 ATLANTA, GA 30305 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $63K | $68K | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $27K | $29K | 2.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 303741738 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30328 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.61% |
| INNOBENEFITS LLC3 | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.01% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE #250 ATLANTA, GA 30305 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.77% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 321 | $1.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 321 | $1.4M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 321 | $1.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $68K |
| Prescription drug(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 321 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.