| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 ST LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $18K | $18K | 0.88% |
| ALTERITY GROUP3 | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $17K | $17K | 0.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 ST LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 0.90% |
| BENEFIT HELP3 | PO BOX 38366 GERMANTOWN, TN 381830366 | HUMANADENTAL INSURANCE COMPANY | $72K | — | $72K | 9.98% |
| MARK CHRISTOPHER HOLLAND2 Filed as: MARK C HOLLAND | 3169 PROFESSIONAL PLAZA #2 GERMANTOWN, TN 38138 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153K | — | $153K | 32.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHRISTOPHER BROWN | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 2.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 ST LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.01% |
| ALTERITY GROUP3 | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 25.63% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KENTUCKY | $500 | — | $500 | 4.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 ST LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | 0.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 ST LOUIS, MO 63150 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $4 | $4 | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TENNESSEE EIN 62-0427913 NONE | Contract Administrator Service code 13 | — | $2.1M |
| KEVIN MCDANIEL NONE | Contract Administrator Service code 13 | 3 CITY PLACE DR STE 900 SAINT LOUIS, MO 63141 | $35K |
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 | 3,995 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 594 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 3,035 | $736K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,323 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2 | $877 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,362 | $1.5M |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,200 | $662K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,200 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.