| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $115K | $0 | $115K | 4.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $5K | $12K | 6.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD SUITE 250 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 4.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3280 PEACHTREE RD NE SUITE 250 ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.16% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.85% |
| NAYELIN GUILLEN3 | 2127 WOOD TERRACE RDG ATLANTA, GA 30340 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.14% |
| HOWARD LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.81% |
| PHILLIP GOODRUM3 | 131 HILLSIDE AVE CHAROLOTTE, NC 28209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.56% |
| DANIEL TRZOS3 | PO BOX 89154 ATLANTA, GA 30340 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $992 | $0 | $992 | 1.19% |
| CARLOS GUILLEN3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $337 | $0 | $337 | 0.41% |
| YONI LABOW3 | 666 DUNDEE RD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.02% |
| MAIA LABOW3 | 666 DUNDEE RD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE ROAD SUITE 250 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $990 | $6K | 8.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE ROAD NE SUITE 250 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $684 | $5K | 10.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $124 | $1K | 16.10% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 492 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 276 | $178K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 276 | $178K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 339 | $149K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 374 | $105K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $46K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 339 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.