| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $210K | — | $210K | 10.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET, STE900 IAS KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $71K | $57K | $129K | 6.62% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 1.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | VISION SERVICE PLAN | $27K | — | $27K | 9.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 NONE | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY, PO BOX 995 BIRMINGHAM, AL 352980001 | $886K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $272K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 NONE | Claims processing Service code 12 | — | $81K |
| AMERICAN BEHAVIORAL BENEFITS MNGRS EIN 63-1030881 NONE | Claims processing Service code 12 | 2204 LAKESHORE DRIVE SUITE 135 BIRMINGHAM, AL 35209 | $42K |
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 | 1,314 | 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) | 1,314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,359 | $773K |
| Vision | VISION SERVICE PLAN | 1,224 | $291K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,608 | $1.9M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,608 | $1.9M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,608 | $1.9M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,290 | $698K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,608 | — |
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.