| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPARETTA, GA 30009 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $109K | $130K | 2.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE STREET SUITE 3400 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE STREET SUITE 3400 CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $18K | 12.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE STREET SUITE 3400 CHICAGO, IL 60661 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 28.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TN 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE STREET SUITE 3400 CHICAGO, IL 60661 | EYEMED VISION CARE | $2K | $0 | $2K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $489 | $0 | $489 | 15.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $163 | $163 | 5.00% |
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 | 511 | 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) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 770 | $4.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $149K |
| Vision | EYEMED VISION CARE | 561 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 511 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 511 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 511 | $41K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 770 | $4.5M |
| Other(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 511 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.