| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT PARK STE 510 CHARLOTTE, TX 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $289K | $251K | $540K | 3.74% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $434K | $0 | $434K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT PARK STE 510 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $550K | $0 | $550K | 7.50% |
| BENEFITFOCUS.COM, INC.3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | UNUM INSURANCE COMPANY | $220K | $0 | $220K | 3.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | SECURIAN LIFE INSURANCE COMPANY | $60K | $144K | $204K | 3.22% |
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 | 67,219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 67,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 32,636 | $8.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 30,146 | $1.4M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 77,589 | $6.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83,837 | $14.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83,837 | $14.5M |
| Other(3 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 220,776 | $14.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220,776 | — |
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."
No prospect flags tripped on this filing.