| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $0 | $45K | 5.25% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPONSVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $81K | $0 | $81K | 22.89% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.89% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.40% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE RAOD NE, SUITE 800 ATLANTA, GA 30305 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 13.42% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $603 | $603 | 1.97% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $17 | $17 | 0.06% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $9 | $9 | 0.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.44% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $474 | $474 | 2.60% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $889 | $0 | $889 | 15.00% |
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 | 634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $941K |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 369 | $1.2M |
| Vision(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 369 | $1.2M |
| Life insurance(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 369 | $403K |
| Short-term disability | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 369 | $354K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 95 | $31K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $941K |
| Other(4 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 634 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.