| 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 | — | $42K | $42K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 1.18% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $110K | — | $110K | 23.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $24K | $24K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | — | $39K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $20K | $20K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $28K | — | $28K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | MUTUAL OF OMAHA INSURANCE COMPANY | $11K | — | $11K | 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 | $826K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $353K |
| AMERICAN BEHAVIORAL BENEFITS MNGRS EIN 63-1030881 NONE | Claims processing Service code 12 | 2204 LAKESHORE DRIVE, SUITE 135 BIRMINGHAM, AL 35209 | $255K |
| 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 | 1,292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,340 | $676K |
| Vision | VISION SERVICE PLAN | 1,216 | $280K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,617 | $697K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 982 | $394K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,419 | $830K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,289 | $633K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,374 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,374 | — |
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.