| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF NORTH CAROLINA | $61K | $0 | $61K | 9.76% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 20 NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $46K | $40K | $86K | 37.51% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT PARK, SUITE 510 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $57K | $11K | $69K | 30.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | COMMUNITY EYE CARE | $14K | $0 | $14K | 9.80% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD, SUITE 741738 COLLEGE PARK, GA 30349 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $129 | $8K | 10.81% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $654 | $654 | 0.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.02% |
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 | 4,026 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 644 | $3.8M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 3,865 | $626K |
| Vision | COMMUNITY EYE CARE | 3,690 | $147K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $78K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $78K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $78K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 644 | $3.8M |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 615 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,865 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.