| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD STE 300 CLEVELAND, OH 441312530 | THE HARTFORD INSURANCE GROUP, INC. | $7K | $13K | $19K | 6.64% |
| LOCKTON COMPANIES, LLC3 | BENEFITS C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | THE HARTFORD INSURANCE GROUP, INC. | $521 | $0 | $521 | 0.18% |
| TMC INSURANCE GROUP3 Filed as: TMC INS GRP AGENCY INC | PO BOX 244 AVON, OH 44011 | HUMANA INC | $12K | — | $12K | 5.60% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HUMANA INC | $3K | — | $3K | 1.63% |
| INSGROUP INC3 Filed as: TMC INSURANCE GROUP AGENCY | UNKNOWN UNKNOWN, GA 30224 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 5.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | UNKNOWN UNKNOWN, GA 30224 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 4.08% |
| TMC EMPLOYEE BENEFITS GROUP3 | UNKNOWN UNKNOWN, GA 30224 | DELTA DENTAL INSURANCE COMPANY | $881 | — | $881 | 0.90% |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 106 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INC | 104 | $215K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 334 | $98K |
| Life insurance | THE HARTFORD INSURANCE GROUP, INC. | 356 | $292K |
| Long-term disability | THE HARTFORD INSURANCE GROUP, INC. | 356 | $292K |
| Prescription drug | HUMANA INC | 104 | $215K |
| Other(2 contracts, 2 carriers) | THE HARTFORD INSURANCE GROUP, INC. | 356 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.