| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 1000 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $122K | $149K | 1.72% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $85K | $0 | $85K | 0.99% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | $8K | $43K | 16.33% |
| PEAK POINT INTERNATIONAL LLC4 Filed as: PEAK POINT INTERNATIONAL, LLC | 9220 WATERFORD LANE POWDER SPRINGS, GA 30127 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 6.00% |
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 | 726 | 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) | 726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,741 | $8.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,741 | $8.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,741 | $8.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,741 | $8.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 726 | $266K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 726 | $266K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,741 | $8.7M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,741 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,741 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.