| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET KANSAS CITY, MO 64112 | INDEPENDENCE BLUE CROSS | — | $393K | $393K | 12.92% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF NORTH CAROLINA | $89K | — | $89K | 4.78% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153K | $7K | $160K | 16.59% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 3010 BRIARPARK DRIVE, SUITE 8000 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 2.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 4725 PIEDMONT ROW DR STE 510 CHARLOTTE, NC 28210 | MEDICA INSURANCE COMPANY | — | $1K | $1K | 0.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DR STE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $4K | $58K | 10.75% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DR STE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $3K | $50K | 10.75% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT PARK STE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86K | $36K | $122K | 30.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $25K | — | $25K | 8.23% |
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 | 9,825 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 612 | $4.6M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 5,736 | $1.9M |
| Vision | VISION SERVICE PLAN | 3,649 | $303K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,171 | $963K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,171 | $1.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,893 | $543K |
| Prescription drug(3 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 612 | $4.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,171 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,171 | — |
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.