| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $708 | $0 | $708 | 9.88% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 250 ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $975 | $0 | $975 | 19.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC. | 3605 GLENWOOD AVENUE, SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $314 | $0 | $314 | 6.29% |
| ALEXANDER CARDONA3 | 3359 NORFOLK CHASE DRIVE NORCROSS, GA 30092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | $0 | $231 | 4.63% |
| BRIAN D ELY3 Filed as: BRIAN DAVID ELY | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | $0 | $57 | 1.14% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.32% |
| SELECT CHOICE BENEFITS3 | 1640 POWERS FERRY ROAD BUILDING 21, SUITE 300 MARIETTA, GA 30067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.22% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 250 ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $599 | $0 | $599 | 14.99% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 87 | $45K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 106 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $31K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.