| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $4K | $27K | 11.75% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $52 | $14K | 10.03% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $876 | $0 | $876 | 4.04% |
| TIMOTHY WARREN MUIR3 | 2929 WILMOT AVENUE COLUMBIA, SC 29205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $492 | $0 | $492 | 2.27% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $268 | $0 | $268 | 1.23% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $228 | $0 | $228 | 1.05% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | $0 | $93 | 0.43% |
| MARC JESSUP3 Filed as: MARC JESSUP INSURANCE | PO BOX 12890 NEW BERN, NC 28561 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | $0 | $75 | 0.35% |
| JEFFERY J. JOHNSON3 | 119 HARVEST HILL TRAIL LEXINGTON, SC 29072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.30% |
| MICHAEL EDWARD MCGINNISS3 Filed as: MICHAEL W. JOHNSON | 104 SILVERSTONE ROAD LEXINGTON, SC 29072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.30% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC. | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.11% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.05% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $137K |
| Vision | VISION SERVICE PLAN | 145 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $228K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $228K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $228K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.