| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD NE SUITE 250 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $95K | $95K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLEANNAN AGENCY | 2301 SUGAR BUSH ROAD, SUITE 220 RALEIGH, NC 27612 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $35K | $35K | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLEBROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $3K | $22K | 10.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD NE ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $57 | $7K | 3.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $824 | $824 | 0.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DR STE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $430 | — | $430 | 1.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DR STE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $223 | — | $223 | 1.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DR STE 510 CHAROLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3280 PEACHTREE RD NE #250 ATLANTA, GA 30305 | EYEMED VISION CARE | $2K | — | $2K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2443 LYNN ROAD, SUITE 208 RALEIGH, NC 27612 | EYEMED VISION CARE | $793 | — | $793 | — |
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 | 871 | 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) | 871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 458 | $2.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 871 | $407K |
| Vision | EYEMED VISION CARE | 434 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 503 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $638 |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 503 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.