| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $460K | $0 | $460K | 8.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $166K | $0 | $166K | 3.00% |
| THE STARKE LIFE AGENCY INC3 Filed as: STARKE AGENCY, INC. | 210 COMMERCE STREET MONTGOMERY, AL 36104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153K | $0 | $153K | 2.78% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $663K | $21K | $684K | 52.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $239K | $7K | $246K | 18.72% |
| THE STARKE LIFE AGENCY INC3 Filed as: STARKE AGENCY, INC. | 210 COMMERCE STREET MONTGOMERY, AL 36104 | UNUM INSURANCE COMPANY | $83K | $0 | $83K | 6.30% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $52K | — | $52K | 8.44% |
| THE STARKE LIFE AGENCY INC3 Filed as: STARKE AGENCY, LLC | 210 COMMERCE STREET MONTGOMERY, AL 36104 | VISION SERVICE PLAN | $17K | $0 | $17K | 2.81% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY SUITE 150 BIRMINGHAM, AL 35243 | METLIFE LEGAL PLANS | $10K | $329 | $10K | 8.48% |
| THE STARKE LIFE AGENCY INC3 Filed as: STARKE AGENCY, INC. | PO BOX 4359 MONTGOMERY, AL 36103 | METLIFE LEGAL PLANS | $3K | $0 | $3K | 2.55% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 0.89% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FREEWAY SUITE 1940 DALLAS, TX 75240 | METLIFE LEGAL PLANS | $0 | $555 | $555 | 0.45% |
| LOCKTON COMPANIES, LLC3 | 5420 LBJ FREEWAY, SUITE 725 DALLAS, TX 75240 | METLIFE LEGAL PLANS | $0 | $127 | $127 | 0.10% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $116 | $116 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $0 | $14 | $14 | 0.01% |
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 | 3,838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 132 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,003 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,731 | $622K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,350 | $5.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,350 | $5.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,350 | $5.5M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,350 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,350 | — |
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.
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.