| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | — | $110K | $110K | 5.00% |
| ADMINISTRATIVE SOLUTIONS INC.3 | 5400 LAUREL SPRINGS PKWY, BLDG 200 SAWANEE, GA 30024 | STANDARD INSURANCE COMPANY | $66K | — | $66K | 10.03% |
| ADMINISTRATIVE SOLUTIONS INC.3 | PO BOX 2490 ALPHARETTA, GA 30023 | DELTA DENTAL INSURANCE COMPANY | $61K | — | $61K | 10.00% |
| ADMINISTRATIVE SOLUTIONS INC.3 Filed as: ADMINISTRATIVE SOLUTIONS INC | PO BOX 2490 ALPHARETTA, GA 30023 | COMPANION LIFE INSURANCE COMPANY | $28K | — | $28K | 11.40% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $18K | — | $18K | 7.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | COMPANION LIFE INSURANCE COMPANY | $9K | — | $9K | 3.61% |
| ADMINISTRATIVE SOLUTIONS INC.3 | PO BOX ALPHARETTA, GA 300232490 | VISION SERVICE PLAN | $10K | — | $10K | 9.81% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE INC. | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 12.00% |
| MATHA JANE FLOYD3 | 2325 GILBERT ROAD CUMMING, GA 30041 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 22.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.1M |
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 | 2,957 | 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) | 2,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,041 | $610K |
| Vision | VISION SERVICE PLAN | 995 | $105K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,957 | $679K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,957 | $900K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,957 | $738K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,285 | $2.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,957 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.