| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 5.81% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.12% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $960 | $960 | 6.03% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | $1K | — | $1K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | — | $837 | $837 | 6.14% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $980 | — | $980 | 9.99% |
| MCGRIFF INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $566 | $566 | 5.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA - TAMPA FL | — | EYE MED | $136 | — | $136 | 2.09% |
| NYRA VELASCO3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $21 | $125 | 2.10% |
| BETTY ROMERO3 Filed as: BETTY A BRITT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 1.53% |
| DES CHAMPS & GREGORY INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 1.29% |
| COACH CONCEPTS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $6 | $52 | 0.87% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 116 | $99K |
| Vision | EYE MED | 107 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | 142 | $23K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $20K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.