| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $280K | $70 | $280K | 13.13% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32K | $32K | 1.52% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $496 | $496 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $140K | $63K | $203K | 14.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $34K | $0 | $34K | 7.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HEALTH NET | $9K | $0 | $9K | 2.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE ROAD NE ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $26K | $8K | $34K | 13.16% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW SUITE 100 ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $7K | $867 | $8K | 3.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | AMERITAS LIFE INSURANCE CORP OF NY | $20K | $2K | $23K | 11.15% |
| ADVANTAGE HEALTHCARE PLANNING3 | PO BOX 173 SPRING LAKE, NJ 07762 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 5.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $70 | $20K | 13.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.41% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $219 | $0 | $219 | 0.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1150 JULLIAN DR WATKINSVILLE, GA 30677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $6K | $17K | 15.66% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | DBA DAWSON INSURANCE 3900 KINROSS LAKES PKWY STE 30 RICHFIELD, OH 44286 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.27% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $923 | $923 | 0.90% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 120 N FULTON AVE STE A EVANSVILLE, IN 47710 | PRINCIPAL LIFE INSURANCE COMPANY | — | $889 | $889 | 0.87% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR SUITE G GRINNELL, IA 50112 | THE HARTFORD | $4K | $0 | $4K | 4.72% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | THE HARTFORD | $0 | $241 | $241 | 0.31% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $131 | $131 | — |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $41 | — | $41 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF TENNEESSEE EIN 62-0812197 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $18K |
| SUN LIFE ASSURANCE COMPANY OF CAN EIN 38-1082080 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $0 |
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)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF AL | 717 | $46.2M |
| Dental(8 contracts, 7 carriers) | DELTA DENTAL INSURANCE COMPANY | 729 | $1.6M |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,064 | $413K |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,877 | $2.4M |
| Short-term disability(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,877 | $2.5M |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,877 | $2.4M |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF AL | 717 | $45.9M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 3,607 | $1.4M |
| Other(6 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF AL | 5,877 | $48.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,877 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.