| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 1600 W SEVENTH ST STE 300 FORT WORTH, TX 761022506 | RELIASTAR LIFE INSURANCE COMPANY | $94K | — | $94K | 18.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | RELIASTAR LIFE INSURANCE COMPANY | $35K | — | $35K | 6.80% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $39K | — | $39K | 10.65% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $47 | — | $47 | 0.01% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $4K | $18K | 6.78% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $5K | $27K | 10.30% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $4K | $34K | 14.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR, SUITE 600 ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | $3K | $45K | 52.08% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $9K | 14.82% |
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 | 4,154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,687 | $87K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,797 | $365K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,787 | $494K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,997 | $272K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,094 | $660K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,797 | — |
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.