| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 AILANIA, GA 30374 | UNITEDHEALTHCARE INSURANCE COMPANY | $327K | $0 | $327K | 13.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 671291 DALLAS, TX 75267 | KAISER FOUNDATION HEALTH PLAN, INC. | $37K | $0 | $37K | 1.86% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $42K | $0 | $42K | 6.13% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $30K | $30K | 4.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 20.00% |
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 | 11,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 225 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,430 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 6,078 | $4.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 11,395 | $5.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,078 | $2.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,896 | $692K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,896 | $692K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,896 | $692K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 6,078 | $4.3M |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 28,183 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,183 | — |
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.