| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $275K | $129 | $275K | 12.74% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75235 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $26K | $26K | 1.19% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $403 | $403 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $189K | $85K | $275K | 14.50% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $73K | $0 | $73K | 8.53% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $29K | $0 | $29K | 10.13% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION STE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 1.23% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 2048 SUPERIOR DRIVE NW SUITE 100 ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $8K | $746 | $9K | 4.41% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | AMERITAS LIFE INSURANCE CORP OF NY | $17K | $6K | $22K | 13.34% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $129 | $23K | 13.75% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.23% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 1150 JULIAN DR WATKINSVILLE, GA 30677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $4K | $17K | 13.41% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | DBA DAWSON INSURANCE 3900 KINROSS LAKES PKWY SUITE 30 RICHFIELD, OH 44286 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.98% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E. GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | — | $940 | $940 | 0.94% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $479 | $479 | 0.48% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 615 HORSESHOE DR SUITE G GRINNELL, IA 50112 | THE HARTFORD | $4K | $0 | $4K | 4.38% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 1045 76TH ST STE 4000 WEST DES MOINES, IA 50266 | THE HARTFORD | $62 | $0 | $62 | 0.08% |
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 | 5,877 | 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) | 5,877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF AL | 741 | $5.9M |
| Dental(6 contracts, 5 carriers) | DELTA DENTAL INSURANCE COMPANY | 2,764 | $1.6M |
| Vision | STANDARD INSURANCE COMPANY | 2,596 | $285K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,322 | $2.4M |
| Short-term disability(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,322 | $2.5M |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,322 | $2.4M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF AL | 741 | $3.9M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 3,365 | $1.9M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF AL | 6,322 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,322 | — |
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.