| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $129K | $337K | $466K | 3.26% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $97K | $22K | $119K | 18.46% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE ATLANTA, GA 30305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 12.66% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $6K | 6.23% |
| DANA MARIE MOWATT3 | 23701 SOUTH WESTERN AVENUE, SPC 112 TORRANCE, CA 90501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.88% |
| ALICE RYAN STRIBLING3 Filed as: ALICE RYAN STRIBLING & OTHER AGENTS | 511 KILBOURNE ROAD COLUMBIA, SC 29205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $125 | $1K | 1.28% |
| MONICA M DEAN3 Filed as: MONICA M. DEAN | 1855 EVERGREEN LANE ALPHARETTA, GA 30009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.22% |
| TAYLOR LEVIEUX3 | 208 FRANKLIN SQUARE BONAIRE, GA 31005 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $35 | $1K | 1.18% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $0 | $168 | 0.17% |
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 | 1,784 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,264 | $14.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,264 | $14.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,264 | $14.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,784 | $647K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,784 | $647K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,784 | $647K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 3,264 | $14.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,784 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,264 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.