| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 352433383 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $129 | $16K | 1.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419103 BOSTON, MA 022419103 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $122 | $122 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 8.45% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 6.55% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $8K | $45K | 16.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 9.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $20K | 14.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $61 | $2K | 1.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | SOUTHEAST, INC. 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $771 | $0 | $771 | 0.57% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | VISION SERVICE PLAN | $7K | $0 | $7K | 6.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $5K | $0 | $5K | 4.64% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 11.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $5K | $377 | $5K | 12.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM INSURANCE COMPANY | $2K | $308 | $3K | 6.93% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $572 | $0 | $572 | 4.51% |
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 | 1,046 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,053 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,345 | $835K |
| Vision | VISION SERVICE PLAN | 1,032 | $110K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,105 | $371K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $143K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,088 | $283K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,105 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,345 | — |
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.