| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $159K | $174 | $159K | 2.65% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD, SUITE 741738 COLLEGE PARK, GA 30349 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | $57 | $95K | 10.69% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 1.43% |
| LOCKTON COMPANIES, LLC3 | 7300 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $0 | $53K | 15.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | 9009 WEST LOOP SOUTH, SUITE 600 HOUSTON, TX 77096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 7300 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66210 | RELIASTAR LIFE INSURANCE COMPANY | $137K | $5K | $141K | 40.86% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 9009 WEST LOOP S, SUITE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.20% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | EYEMED VISION PLAN | $12K | $0 | $12K | 5.69% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 COLLEGE PARK, GA 30349 | EYEMED VISION PLAN | $8K | $0 | $8K | 3.58% |
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS | UNKNOWN PEACHTREE CORNERS, GA 30092 | WESTPORT INSURANCE CORPORATION | $0 | $73K | $73K | 51.03% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | HYATT LEGAL PLANS | $8K | $217 | $8K | 11.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HYATT LEGAL PLANS | $0 | $643 | $643 | 0.85% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64112 | HYATT LEGAL PLANS | $0 | $643 | $643 | 0.85% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | HYATT LEGAL PLANS | -$384 | $0 | -$384 | -0.51% |
| LOCKTON COMPANIES, LLC3 | 7300 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66210 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 69.07% |
| 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 | $349 | $0 | $349 | 4.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DR, SUITE 510 CHARLOTTE, NC 28210 | FIRST UNUM LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.69% |
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 | 10,065 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,150 | $6.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,005 | $889K |
| Vision | EYEMED VISION PLAN | 2,791 | $215K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,005 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,005 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 12,005 | $889K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,150 | $6.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,005 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,005 | — |
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.