| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $147K | $17K | $164K | 10.28% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 0.47% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $40K | $0 | $40K | 7.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $33K | $4K | $37K | 15.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, AL 35203 | UNUM INSURANCE COMPANY | $590 | $49 | $639 | 0.26% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | HUMANA INSURANCE COMPANY | $16K | $0 | $16K | 9.93% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GRP SE, LLC | 3445 PEACHTREE ROAD NE, SUITE 200 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $380 | $275 | $655 | 3.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 206 EXCHANGE PLACE HUNSVILLE, AL 35806 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $720 | $0 | $720 | 10.00% |
No Schedule C service providers reported on this filing.
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 | 1,539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 33 | $342K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,300 | $917K |
| Vision | HUMANA INSURANCE COMPANY | 1,010 | $162K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,376 | $1.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,376 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,376 | $1.6M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 33 | $342K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,376 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,376 | — |
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.