| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $107K | $19K | $126K | 3.58% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | — | $273 | $273 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $77K | $52 | $77K | 8.79% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 0.92% |
| LOCKTON COMPANIES, LLC3 | 7300 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66210 | RELIASTAR LIFE INSURANCE COMPANY | $107K | $5K | $111K | 43.21% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP SOUTH, SUITE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | — | $10K | $10K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 7300 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $3K | $43K | 22.05% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | 9009 WEST LOOP SOUTH, SUITE 600 HOUSTON, TX 77096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$11K | — | -$11K | -5.47% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 COLLEGE PARK, GA 30349 | EYEMED VISION CARE | $5K | — | $5K | 3.92% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | EYEMED VISION CARE | $3K | — | $3K | 2.55% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | HYATT LEGAL PLANS | $5K | — | $5K | 8.20% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | HYATT LEGAL PLANS | $1K | — | $1K | 1.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HYATT LEGAL PLANS | — | $816 | $816 | 1.40% |
| LOCKTON COMPANIES, LLC3 | 7300 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66210 | FIRST UNUM LIFE INSURANCE COMPANY | $863 | — | $863 | 36.31% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 9009 WEST LOOP SOUTH, SUITE 600 HOUSTON, TX 77096 | FIRST UNUM LIFE INSURANCE COMPANY | $258 | — | $258 | 10.85% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | FIRST UNUM LIFE INSURANCE COMPANY | $234 | — | $234 | 9.84% |
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 | 9,138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 900 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10,102 | $880K |
| Vision | EYEMED VISION CARE | 3,023 | $121K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,102 | $882K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,102 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,102 | $880K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 900 | $3.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,102 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,102 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.