| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW WASHINGTON, DC 20006 | AUXIANT | $136K | $0 | $136K | 3.54% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 3.06% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 3636 SOUTH GEYER ROAD, SUITE 110 SAINT LOUIS, MO 63127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 2.97% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF AMERICAS, SUITE 2010 NEW YORK, NY 10036 | DELTA DENTAL OF TENNESSEE | $25K | $0 | $25K | 8.27% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 3636 SOUTH GEYER ROAD, SUITE 110 SAINT LOUIS, MO 63127 | DELTA DENTAL OF TENNESSEE | $5K | $0 | $5K | 1.73% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | UNUM INSURANCE COMPANY | $3K | $414 | $4K | 8.10% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 3636 SOUTH GEYER ROAD, SUITE 110 SAINT LOUIS, MO 63127 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 6.87% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 6.14% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 3636 SOUTH GEYER ROAD SAINT LOUIS, PA 63127 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 4.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | -$14 | $0 | -$14 | -0.03% |
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 | 779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AUXIANT | 438 | $3.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 757 | $301K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 691 | $42K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 779 | $419K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 779 | $419K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 779 | $419K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 779 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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."
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.