| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $57K | $0 | $57K | 14.64% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 2.14% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN MIAMI, FL 33186 | DELTA DENTAL INSURANCE COMPANY | $18K | $0 | $18K | 10.04% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 10.01% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $130 | $2K | 11.93% |
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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 190 | $96K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 449 | $215K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 294 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 653 | $388K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 653 | $388K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 653 | $388K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 653 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.