| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD PO BOX 741738 COLLEGE PARK, GA 30349 | COMPANION LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.80% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.57% |
| UNKNOWN3 | UNKNOWN BELMONT, NC 28012 | COMPANION LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | AETNA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 14.05% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.74% |
| LESLIE D. FAULKNER3 | 501 NORTH CHURCH STREET, SUITE 300 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $666 | $0 | $666 | 2.41% |
| PHILIP D REIBMAN3 Filed as: PHILIP D. REIBMAN | 9823 BRANCHWATER AVENUE CHARLOTTE, NC 28277 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | $0 | $232 | 0.84% |
| JONATHAN P DUNN3 Filed as: JONATHAN P. DUNN | 3337 TWIN RIDGE DRIVE CHARLOTTE, NC 28210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | $0 | $112 | 0.40% |
| ELENI A NIKOLAS3 Filed as: ELENI A. NIKOLAS | 3869 WINTERGREEN COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.08% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE CHARLOTTE, NC 28210 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| UNKNOWN3 | UNKNOWN BELMONT, NC 28012 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $0 | $733 | $733 | 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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 210 | $73K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 126 | $12K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 207 | $137K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 207 | $110K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 207 | $110K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 207 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.