| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSASCITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $219K | $55K | $274K | 5.00% |
| EMAD B. MOSALLAM3 | 154 S OLD WOODWARD AVENUE SUITE 205 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $219K | $0 | $219K | 4.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $165K | $0 | $165K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $167 | $0 | $167 | 0.00% |
| SPARTAN WEALTH MANAGEMENT3 Filed as: SPARTAN WEALTH MANAGEMENT, INC. | 154 S OLD WOODWARD AVENUE SUITE 205 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $167 | $0 | $167 | 0.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 3100 E MIRALOMA AVENUE ANAHEIM, CA 92806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37 | $0 | $37 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNUM INSURANCE COMPANY | $53K | $5K | $58K | 11.00% |
| SPARTAN WEALTH MANAGEMENT3 Filed as: SPARTAN WEALTH MANAGEMENT, INC. | 154 S OLD WOODWARD AVENUE SUITE 205 BIRMINGHAM, MI 48009 | UNUM INSURANCE COMPANY | $53K | $0 | $53K | 10.00% |
| LOCKTON COMPANIES, LLC4 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $30K | $0 | $30K | 10.42% |
| SPARTAN WEALTH MANAGEMENT4 | 32600 TELEGRAPH ROAD SUITE 200 BINGHAM FARMS, MI 48025 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $19K | $0 | $19K | 6.58% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS COURT FRISCO, TX 75034 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $17K | $0 | $17K | 6.00% |
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 | 9,078 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,078 | $5.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,078 | $5.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,078 | $5.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,078 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,078 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.