| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $282K | $0 | $282K | 14.64% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING, INC. | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $146K | $146K | 7.58% |
| LOCKTON COMPANIES, LLC3 | 345 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $55K | $55K | 2.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 671291 DALLAS, TX 75267 | RELIASTAR LIFE INSURANCE COMPANY | $129K | $0 | $129K | 26.83% |
| ADP INC3 Filed as: ADP, LLC | 2835 DECKER LAKE DRIVE SALT LAKE CITY, UT 84119 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.45% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FSL | $13K | — | $13K | 10.00% |
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 | 4,329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 193 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 297 | $2.1M |
| Vision | FSL | 4,190 | $131K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,329 | $1.9M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,329 | $1.9M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,329 | $1.9M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 297 | $2.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,329 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,329 | — |
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.