| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 COLLEGE PARK, GA 30349 | SECURIAN LIFE INSURANCE COMPANY | $101K | $0 | $101K | 7.03% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE BUILDING 3, SUITE 230 PLANO, TX 75024 | SECURIAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | 1.51% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | SECURIAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 0.75% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 3.19% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.76% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE BUILDING 3, SUITE 230 PLANO, TX 75024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | AETNA LIFE INSURANCE COMPANY | $3K | $138 | $3K | 0.78% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE BUILDING 3, SUITE 230 PLANO, TX 75024 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.49% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | $7K | $0 | $7K | 3.34% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE BUILDING 3, SUITE 230 PLANO, TX 75024 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | $4K | $0 | $4K | 2.06% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $0 | $753 | $753 | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 5360 LEGACY DRIVE PLANO, TX 75024 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $753 | $0 | $753 | 15.00% |
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 | 2,343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 657 | $416K |
| Dental | AETNA LIFE INSURANCE COMPANY | 657 | $386K |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | 3,459 | $214K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 2,927 | $1.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,265 | $523K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,265 | $523K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 657 | $416K |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 2,927 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,459 | — |
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.