| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MD 64112 | AETNA LIFE INSURANCE COMPANY | $0 | $93K | $93K | 2.53% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 530 OAK COURT MEMPHIS, TN 38117 | AETNA LIFE INSURANCE COMPANY | $0 | $28K | $28K | 0.75% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YOUR, NY 10036 | DELTA DENTAL OF TENNESSEE | $19K | $0 | $19K | 6.75% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 3636 SOUTH GEYER ROAD, SUITE 110 SAINT LOUIS, MO 63127 | DELTA DENTAL OF TENNESSEE | $9K | $0 | $9K | 3.25% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 17.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE OF BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $3K | $0 | $3K | 8.33% |
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 | 721 | 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) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 725 | $3.7M |
| Dental | DELTA DENTAL OF TENNESSEE | 726 | $279K |
| Vision | EYEMED VISION CARE OF BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 681 | $41K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $116K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $116K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $116K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 725 | $3.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.