| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - FLORI | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $10K | $62K | 10.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE PT PKWY STE 400 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $926 | $6K | 0.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 201 SOUTH BISCAYNE BLVD SUITE 2850 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $648 | $8K | 7.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - FLORI | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | UNUM INSURANCE COMPANY | $4K | $663 | $5K | 20.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE PT PKWY STE 400 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $607 | $55 | $662 | 2.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - FLORI | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | UNUM INSURANCE COMPANY | $4K | $664 | $5K | 23.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE PT PKWY STE 400 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $30 | $3 | $33 | 0.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - FLORI | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $3K | $482 | $4K | 22.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE PT PKWY STE 400 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $60 | $7 | $67 | 0.43% |
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 | 1,487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 736 | $95K |
| Vision | VISION SERVICE PLAN | 787 | $83K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,487 | $619K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,487 | $619K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,487 | $619K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,487 | $678K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,487 | — |
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.