| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD FULLER HERRING3 Filed as: RICHARD MEADOWS | 3800 COLONADE PKWY, SUITE 150 BIRMINGHAM, AL 35243 | BLUERE OF TENNESSEE | $0 | $211K | $211K | 9.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | DELTA DENTAL OF TENNESSEE | $53K | $0 | $53K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY SUITE 150 BIRMINGHAM, AL 35243 | LIFE INSURANCE CARRIER OF NORTH AMERICA | $19K | $0 | $19K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY SUITE 150 BIRMINGHAM, AL 35243 | LIFE INSURANCE CARRIER OF NORTH AMERICA | $49K | $0 | $49K | 17.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $0 | $33K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | DELTA DENTAL OF TENNESSEE | $13K | $0 | $13K | 8.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $0 | $25K | 20.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS, INC | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 770423706 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 20.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS, INC | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 770423706 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 15.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS, INC | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 770423706 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 17.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 3,374 | $2.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 3,557 | $1.1M |
| Vision | DELTA DENTAL OF TENNESSEE | 2,944 | $160K |
| Life insurance(2 contracts) | LIFE INSURANCE CARRIER OF NORTH AMERICA | 2,200 | $285K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,800 | $7K |
| Long-term disability | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 435 | $165K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE CARRIER OF NORTH AMERICA | 2,819 | $793K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,557 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.