| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | DELTA DENTAL OF TENNESSEE | $7K | $0 | $7K | 2.56% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF TENNESSEE | $6K | $0 | $6K | 2.44% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $10K | $22K | 16.43% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.94% |
| LOCKTON COMPANIES, LLC3 | 4221 WEST BOY SCOUT BOULEVARD SUITE 550 TAMPA, FL 33607 | RELIASTAR LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.31% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $1K | $8K | 9.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.26% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.08% |
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 | 567 | 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) | 567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 748 | $264K |
| Vision | VISION SERVICE PLAN | 450 | $56K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 567 | $131K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 567 | $131K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 567 | $131K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 567 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.