| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | SECURIAN LIFE INSURANCE COMPANY | $140K | $0 | $140K | 9.30% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $29K | $55K | 9.33% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.51% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT 3042 DALLAS, TX 75312 | AETNA LIFE INSURANCE COMPANY | $252 | $0 | $252 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | $10K | $0 | $10K | 4.59% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $775 | $0 | $775 | 3.17% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WAGNER ASSOCIATES, INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $0 | $753 | $753 | 14.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $753 | $0 | $753 | 14.99% |
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 | 2,297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 594 | $300K |
| Dental | AETNA LIFE INSURANCE COMPANY | 594 | $275K |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | 3,311 | $212K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 2,848 | $1.5M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,229 | $585K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,229 | $585K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 594 | $300K |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 2,848 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,311 | — |
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.