| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140K | $6K | $146K | 7.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 0.15% |
| STAR ROBBINS3 | P.O. BOX 1007 LONDON, KY 407431007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134K | — | $134K | 14.60% |
| VIZIENT INSURANCE SERVICES LLC3 Filed as: VIZIENT INS. SERVICES LLC | 290 E. JOHN CARPENTER FREEWAY IRVING, TX 75062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55K | — | $55K | 6.00% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 1.29% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC. | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 0.50% |
| ROBERT W. PATTON3 | P.O. BOX 1007 LONDON, KY 407431007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $877 | — | $877 | 0.10% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 121 N. MARKET, SUITE 600 WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.01% |
| RONNIE PATTON3 | C/O STAR ROBBINS P.O. BOX 1007 LONDON, KY 407431007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $79K | $30K | $109K | 13.82% |
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 | 2,772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,108 | $919K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,905 | $2.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,905 | $1.8M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 5,035 | $785K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,905 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,905 | — |
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.