| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 1000 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | $29K | $89K | 0.71% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, TX 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $23 | $43K | 6.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 5.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $36K | $2K | $38K | 20.93% |
| LOCKTON COMPANIES, LLC4 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6K | $0 | $6K | 17.00% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $777 | $0 | $777 | 2.28% |
| DORSEY & ASSOCIATES, INC.4 | 1655 VINERY AVENUE CUMMING, GA 30041 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $473 | $0 | $473 | 1.39% |
| THOMPSON SUCCESS PARTNERS, INC.4 Filed as: THOMPSON SUCCESS PARTNERS, LLC | 2776 GEARY STREET MATLACHA, FL 33993 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $79 | $0 | $79 | 0.23% |
| C & D ASSOCIATES INC4 Filed as: C & D ASSOCIATES, INC. | PO BOX 388 TAVARES, FL 32778 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $79 | $0 | $79 | 0.23% |
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 | 1,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,706 | $12.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,706 | $12.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,706 | $12.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,470 | $651K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,470 | $651K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,470 | $651K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 2,706 | $12.5M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,470 | $868K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,706 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.