| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $388K | $0 | $388K | 1.56% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $660K | $660K | 15.16% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $57K | $0 | $57K | 1.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | DELTA DENTAL INSURANCE COMPANY | $257K | $0 | $257K | 10.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 671291 DALLAS, TX 75267 | KAISER FOUNDATION HEALTH PLAN INC | $40K | $0 | $40K | 2.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 0.22% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161K | $0 | $161K | 19.70% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | FIDELITY SECURITY LIFE | $414K | $0 | $414K | 92.82% |
| LOCKTON COMPANIES, LLC3 | 1000 WALNUT STREET KANSAS CITY, MO 64141 | FIDELITY SECURITY LIFE | $159K | $0 | $159K | 35.70% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | $38K | $0 | $38K | 9.20% |
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 | 3,166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,197 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 4,716 | $27.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 7,749 | $2.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | 6,968 | $418K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,253 | $4.4M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,253 | $4.4M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,253 | $4.4M |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,851 | $25.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,542 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,749 | — |
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."
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.