| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - CHARLOTTE, NC | 4725 PIEDMONT PARK SUITE 510 CHARLOTTE, NC 28210 | FIRST UNUM LIFE INSURANCE COMPANY | $1.1M | $71K | $1.2M | 26.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | FIRST UNUM LIFE INSURANCE COMPANY | $87K | $11K | $98K | 2.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $1K | $11K | 2.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - CHARLOTTE | 4725 PIEDMONT PARK SUITE 510 CHARLOTTE, NC 28210 | FIRST UNUM LIFE INSURANCE COMPANY | -$8K | $8K | $410 | 0.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - CHARLOTTE, NC | 3280 PEACHTREE ROAD NE #250 ATLANTA, GA 30305 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO OF NY | $34K | — | $34K | 7.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $278 | $3K | 2.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - CHARLOTTE | 4725 PIEDMONT PARK SUITE 510 CHARLOTTE, NC 28210 | FIRST UNUM LIFE INSURANCE COMPANY | -$2K | $2K | -$621 | -0.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - CHARLOTTE, NC | 4725 PIEDMONT PARK SUITE 510 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $17K | $4K | $22K | 24.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $159 | $20 | $179 | 0.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - CHARLOTTE, NC | 4725 PIEDMONT PARK SUITE 510 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $15K | $4K | $19K | 24.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $124 | $16 | $140 | 0.19% |
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 | 8,802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO OF NY | 8,334 | $486K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 8,922 | $4.9M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 8,922 | $4.4M |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 8,922 | $4.6M |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 8,922 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,922 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.