| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | AETNA LIFE INSURANCE CO. | $67K | $123K | $191K | 0.83% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $31K | $72K | 2.94% |
| LOCKTON COMPANIES, LLC3 | 500 W.MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78K | $85 | $78K | 14.98% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| STEVEN PERSKY & ASSOCIATES LTD3 Filed as: STEVEN R. PERSKY | 6 W. HUBBARD STREET, FLOOR 7 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 12.73% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | FEDERAL INSURANCE COMPANY | $7K | $874 | $8K | 16.75% |
| RICHARD W VAN LEUVAN3 Filed as: RICHARD W. VAN LEUVAN | 3715 NORTHSIDE PARKWAY NW ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.29% |
| FISC INVESTMENT SERVICES CORP3 Filed as: FISC INVESTMENT SERVICES | 1849 CLAIRMONT ROAD DECATUR, CA 30033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $840 | $840 | 1.83% |
| CHRISTOPHER LYNN BROYLES3 | 7000 CENTRAL PARKWAY, SUITE 1750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $560 | — | $560 | 1.22% |
| RICHARD W VAN LEUVAN3 Filed as: RICHARD W. VAN LEUVAN | 3715 NORTHSIDE PARKWAY NW ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $692 | — | $692 | 2.97% |
| CHRISTOPHER LYNN BROYLES3 | 7000 CENTRAL PARKWAY, SUITE 1750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $309 | — | $309 | 1.33% |
| DANIEL J WISTED3 Filed as: DANIEL J. WISTED | 3440 PRESTON RIDGE ROAD, SUITE 325 ALPHARETTA, GA 30005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $776 | $849 | $2K | 7.71% |
| KEY EXECUTIVE & EMPLOYEE PLANS, INC3 | 1870 THE EXCHANGE SE, SUITE 100 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 1.62% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60693 | FIRST UNUM LIFE INSURANCE COMPANY | — | $193 | $193 | 1.25% |
| DANIEL J WISTED3 Filed as: DANIEL J. WISTED | 3440 PRESTON RIDGE DRIVE, SUITE 325 ALPHARETTA, GA 30005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $873 | $589 | $1K | 12.50% |
| KEY EXECUTIVE & EMPLOYEE PLANS, INC3 | 1870 THE EXCHANGE SE, SUITE 100 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 1.03% |
| DANIEL J WISTED3 Filed as: DANIEL J. WISTED | 3440 PRESTON RIDGE ROAD, SUITE 325 ALPHARETTA, GA 30005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $197 | $224 | $421 | 7.35% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $57 | $57 | 1.25% |
| JOHN DEEM3 Filed as: JOHN WALTER KELLEY | 4061 POWDER MILL ROAD, SUITE 700 CALVERTON, MO 20705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 6.66% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN, R. JAGGER | 1085 LULLWATER ROAD, NE ATLANTA, GA 30307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 5.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 STD ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $26K |
| PAYFLEX SYSTEMS USA, INC. FSA ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 10802 FARNAM DR., STE 100 OMAHA, NE 68154 | $20K |
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 | 1,870 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,905 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 3,126 | $23.1M |
| Vision(3 contracts) | EYEMED VISION CARE | 2,484 | $173K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,857 | $2.4M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,857 | $2.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,857 | $2.4M |
| Other(14 contracts, 7 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,857 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,126 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.