| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $182K | $22K | $204K | 11.91% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 0.41% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $46K | $5K | $51K | 17.53% |
| UNKNOWN3 | UNKNOWN HUNTSVILLE, AL 35806 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | $607K | $0 | $607K | 216.34% |
| LOCKTON COMPANIES, LLC3 | 3800 COLLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | HUMANA INSURANCE COMPANY | $17K | $0 | $17K | 9.90% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $2K | $23K | 27.35% |
| LOCKTON COMPANIES, LLC4 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $11K | $0 | $11K | 17.00% |
| LOCKTON COMPANIES, LLC3 | 3800 COLLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $1K | $0 | $1K | 6.94% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 3445 PEACHTREE ROAD NE, SUITE 200 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $197 | $235 | $432 | 3.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER | UNKNOWN HUNTSVILLE, 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 | 1,443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 60 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 25 | $281K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 28 | $16K |
| Vision | HUMANA INSURANCE COMPANY | 961 | $167K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,062 | $1.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,062 | $1.7M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,062 | $1.7M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 25 | $281K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,062 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,062 | — |
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.