| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $36K | $36K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | 1.15% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $104K | — | $104K | 23.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $23K | $23K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $17K | $17K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $25K | — | $25K | 10.81% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | MUTUAL OF OMAHA INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| 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 | $704K |
| GREAT MIDWEST INSURANCE COMPANY EIN 76-1544296 NONE | Claims processing Service code 12 | — | $468K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $242K |
| AMERICAN BEHAVIORAL BENEFITS MNGRS EIN 63-1030881 NONE | Claims processing Service code 12 | 2204 LAKESHORE DRIVE, SUITE 135 BIRMINGHAM, AL 35209 | $235K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 NONE | Claims processing Service code 12 | — | $72K |
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 | 1,201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,131 | $634K |
| Vision | VISION SERVICE PLAN | 1,118 | $236K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,486 | $644K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,328 | $718K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,399 | $640K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,131 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.