| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 240282748 | RELIASTAR LIFE INSURANCE COMPANY | $170K | — | $170K | 25.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $19K | — | $19K | 5.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 1.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $73 | — | $73 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $58 | — | $58 | 0.02% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $4K | $22K | 9.90% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $5K | $16K | 7.23% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $4K | $25K | 14.31% |
| 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 | $46K | $3K | $48K | 48.67% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $80 | $6K | 12.18% |
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 | 6,189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,842 | $99K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,096 | $355K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,357 | $397K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,283 | $219K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,414 | $823K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,414 | — |
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.