| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15030 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $8K | $40K | 10.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 5.04% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $4K | $7K | 4.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P. O. BOX 31128 RALEIGH, NC 27622 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA P. O. BOX 505115 ST. LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $14K | 11.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | P. O. BOX 31128 RALEIGH, NC 27622 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.59% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 32 BROADWAY, SUITE 1818 NEW YORK, NY 10004 | ZURICH AMERICAN INSURANCE COMPANY | $646 | — | $646 | 30.00% |
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 | 2,538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 92 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,806 | $195K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,630 | $365K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $128K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 610 | $161K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,630 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,806 | — |
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.