| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 6000 FELDWOOD RD COLLEGE, GA 30349 | METROPOLITAN LIFE INSURANCE COMPANY | $104K | $70 | $104K | 8.56% |
| ROBERT O FLOYD JR.3 | PO BOX 309 LENOIR, NC 28645 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | 1.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $198 | $198 | 0.02% |
| ROBERT O FLOYD JR.3 | PO BOX 309 LENOIR, NC 28645 | FOUR EVER LIFE INS CO. | $14K | $6K | $20K | 14.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (ATLANTA) | PO BOX 741738 ATLANTA, GA 30374 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (ATLANTA) | PO BOX 741738 ATLANTA, GA 30374 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (ATLANTA) | PO BOX 741738 ATLANTA, GA 30374 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $406 | — | $406 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 ADMINISTRATOR | Claims processing Service code 12 | — | $499K |
| UNC CALDWELL HEALTH CARE EIN 56-0894904 CONSULTANT | Other services Service code 49 | — | $196K |
| FLORES AND ASSOCIATES EIN 56-1542307 COBRA CONSULTANT | Other services Service code 49 | — | $9K |
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 | 1,161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 923 | $145K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,906 | $1.2M |
| Vision | COMMUNITY EYE CARE | 1,620 | $163K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,906 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,906 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,906 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,906 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,906 | — |
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.