| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $117K | $117K | 4.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET STUDIO N-108 ATLANTA, GA 30318 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $52 | $52 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $52 | $40K | 9.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $772 | $7K | 1.67% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALISTS, INC. | 3340 PEACHTREE ROAD NE, SUITE 1690 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $43 | $6K | 1.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET STUDIO N108 ATLANTA, GA 30318 | CONTINENTAL AMERICAN INSURANCE COMPANY | $356 | — | $356 | 20.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC AND OTHERS | 3280 PEACHTREE ROAD NE SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 7.35% |
| METZGER ASSOCIATES INC3 Filed as: METZGER ASSOCIATES, INC. | 16295 CLARITY ROAD ALPHARETTA, GA 30004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 5.03% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T. BENES | 249 WEATHERSTONE POINTE DRIVE WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 3.76% |
| JOHN P KOWN II3 Filed as: JOHN P. KOWN II | 1275 SHILOH ROAD, SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 2.49% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R. LARSON | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 2.37% |
| KEITH ANTHONY KLEINE3 Filed as: KEITH KLEINE | 2216 SPRUCEWOOD DRIVE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 2.20% |
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 | 683 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 583 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,185 | $448K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,185 | $448K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,185 | $448K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,185 | $448K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,185 | $448K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 583 | $2.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,185 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,185 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.