| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $155K | $280K | $435K | 3.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $146K | $29K | $175K | 11.94% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS, LLC | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $0 | $35K | 14.60% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $261 | $19K | 7.97% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.56% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $17K | $0 | $17K | 10.50% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METLIFE LEGAL PLANS OF FLORIDA | $3K | $0 | $3K | 13.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $175 | $175 | 0.97% |
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 | 4,443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 4,073 | $12.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 4,073 | $12.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,726 | $160K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,443 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,443 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,443 | $1.5M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 4,073 | $12.9M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,443 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,443 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.