| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $247K | $247K | 1.53% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $159K | $0 | $159K | 4.90% |
| WEB BENEFITS DESIGN CORPORATION5 | PO BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $427K | $427K | 13.78% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $52K | $0 | $52K | 1.68% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | DELTA DENTAL INSURANCE COMPANY | $198K | $0 | $198K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111K | $0 | $111K | 20.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | EYEMED | $22K | $0 | $22K | 6.65% |
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 | 3,358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,750 | $19.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 6,017 | $2.0M |
| Vision | EYEMED | 5,520 | $327K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,981 | $3.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,981 | $3.1M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,981 | $3.1M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 2,750 | $16.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,981 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,017 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.