| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $19K | $19K | 4.19% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 0.51% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 4557 NEW YORK, NY 10249 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 340 SEVEN SPRINGS WAY STE 750 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $9K | 5.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.73% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 4557 NEW YORK, NY 10249 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 340 SEVEN SPRINGS WAY STE 750 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 21.67% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $792 | $0 | $792 | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 340 SEVEN SPRINGS WAY STE 750 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $4K | $747 | $4K | 21.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 340 SEVEN SPRINGS WAY STE 750 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $2K | $488 | $3K | 21.81% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $937 | $0 | $937 | 13.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 4557 NEW YORK, NY 10249 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $31 | $31 | 1.79% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 4557 NEW YORK, NY 10249 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $18 | $18 | 1.46% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $5 | $0 | $5 | 2.75% |
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 | 760 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION SERVICE PLAN | 407 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 900 | $161K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $253K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 580 | $168K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 556 | $886K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 900 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 900 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.