| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $26K | $0 | $26K | 2.66% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $616 | $8K | 11.27% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD SUITE 300 MT. PLEASANT, SC 29464 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 9.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| ALLSTATE BENEFITS3 | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.00% |
| THE LOOMIS COMPANY3 | 850 NORTH PARK AVENUE WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.00% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD SUITE 300 MT. PLEASANT, SC 29464 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.19% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $579 | $5K | 8.22% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 99 | $1.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 131 | $62K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 131 | $62K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $69K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $69K |
| Prescription drug | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 99 | $964K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.