| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD NE NW STE 800 ATLANTA, GA 303052430 | METROPOLITAN LIFE INSURANCE COMPANY | $155K | $126 | $156K | 7.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC -ATL SERIES | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $15K | $63K | 22.25% |
| BENEFITSTORE INC3 | DALLAS REGIONAL LOCKBOX LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $194 | $3K | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | $2 | $8 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - CHARLO | 4725 PIEDMONT PARK STE 510 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $25K | — | $25K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - ATLANTA | 3280 PEACHTREE RD NE STE 250 ATLANTA, GA 30305 | MANHATTAN LIFE ASSURANCE CO OF AMERICA | $12K | — | $12K | 19.98% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING | PO BOX 161690 AUSTIN, TX 78716 | MANHATTAN LIFE ASSURANCE CO OF AMERICA | $4K | — | $4K | 5.98% |
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 | 4,304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MANHATTAN LIFE ASSURANCE CO OF AMERICA | 202 | $62K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,987 | $2.0M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 2,187 | $138K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,987 | $2.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,987 | $2.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,987 | $2.0M |
| Prescription drug | MANHATTAN LIFE ASSURANCE CO OF AMERICA | 202 | $62K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,987 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,987 | — |
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.