| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $645K | $50K | $695K | 5.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $533K | $57K | $590K | 23.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $74K | $7K | $80K | 24.47% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 11.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $848 | $15K | 15.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 10895 LOWELL AVENUE OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 10895 LOWELL AVENUE OVERLAND PARK, KS 66210 | FIRST UNUM LIFE INSURANCE COMPANY | $89 | $0 | $89 | 4.99% |
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 | 16,384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 276 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 7,391 | $12.7M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 7,391 | $12.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | 1,915 | $110K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,961 | $2.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,961 | $2.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,961 | $2.5M |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 7,391 | $12.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,961 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,961 | — |
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.