| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $169K | $0 | $169K | 2.57% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $209K | $31K | $239K | 21.70% |
| LOCKTON COMPANIES, LLC3 | 10896 LOWELL AVENUE OVERLAND PARK, KS 66210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 1.30% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 3010 BRIARPARCK DRIVE, SUITE 8000 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 0.35% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | DELTA DENTAL INSURANCE COMPANY | $136K | $0 | $136K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 10.17% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $34K | $0 | $34K | 45.12% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 18.48% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 3010 BRIARPARCK DRIVE, SUITE 8000 HOUSTON, TX 77042 | FIRST UNUM LIFE INSURANCE COMPANY | $224 | $0 | $224 | 3.70% |
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 | 12,523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,346 | $6.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 4,863 | $908K |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | 4,060 | $204K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,523 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,523 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,523 | $1.1M |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,346 | $6.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,523 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,523 | — |
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.