| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | — | $39K | 6.55% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 3.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 6.55% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 3.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA SERIES C/O BANK OF AMERICA ATLANTA, GA 30374 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | — | $22K | 20.74% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 HOME OFFICE KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 1.57% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO RD STE 650 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $480 | $85 | $565 | 0.52% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $427 | $85 | $512 | 0.48% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $68 | $68 | 0.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE | $6K | — | $6K | 8.13% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PKWY #2750 ATLANTA, GA 30328 | EYEMED VISION CARE | $1K | — | $1K | 1.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.49% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.44% |
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 | 1,296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,388 | $80K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,296 | $302K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,295 | $602K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,295 | $355K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,296 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,388 | — |
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.