| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 741738 ATLANTA, GA 303741738 | VISION SERVICE PLAN | $45K | — | $45K | 9.90% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $47K | — | $47K | 12.00% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $45K | — | $45K | 12.00% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | — | $36K | 12.00% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | — | $24K | 17.00% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $83K | — | $83K | 100.00% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WECARE THIRD PARTY ADMINISTRAT | Claims processing Service code 12 | 120 INTERNATIONAL PARKWAY SUITE 220 LAKE MARY, FL 32746 | $1.8M |
| BLUECROSS BLUESHIELD OF ALABAMA EIN 63-0103830 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | 450 RIVERCHASE PKWY E, PO BOX 995 BIRMINGHAM, AL 35298 | $1.3M |
| AMERICAN BEHAVIORAL BENEFIT MGRS EIN 63-1030881 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | 2204 LAKESHORE DRIVE, STE 135 BIRMINGHAM, AL 35209 | $843K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | PO BOX 1809 ALPHARETTA, GA 30023 | $291K |
| RXBENEFITS, INC EIN 63-1157085 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | — | $27K |
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 | 2,174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,993 | $458K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,997 | $478K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,997 | $300K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,137 | $375K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,997 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,997 | — |
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.
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.