| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $57K | $57K | 6.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 333 NORTH GREET STREET GREENBORO, NC 27401 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.68% |
| EMILY ARMSTRONG3 | 3213 LOYAL LANE RALEIGH, NC 27615 | AFLAC | $1K | $175 | $2K | 3.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | AFLAC | $2K | $0 | $2K | 3.63% |
| MJ INSURANCE3 Filed as: DAVID M. CRUMLEY AND VARIOUS AGENTS | 5111 MARYLAND WAY, SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $1K | $166 | $1K | 3.03% |
| DANIEL BREWER3 Filed as: DANIEL S. BREWER | 106 CASTLEVIEW DRIVE HENDERSONVILLE, TN 37075 | AFLAC | $1K | $48 | $1K | 3.02% |
| JORDAN S SMITH3 Filed as: JORDAN S. SMITH | 240 WILSON PIKE CIRCLE, SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $606 | $10 | $616 | 1.49% |
| JEREMY J SABO3 Filed as: JEREMY J. SABO | 188 CORVINA DRIVE CLAYTON, NC 27520 | AFLAC | $389 | $142 | $531 | 1.28% |
| MJ INSURANCE3 Filed as: CHAD D. ZEBUHR | 6511 GOLDEN LANTERN COURT APARTMENT 303 RALEIGH, NC 27613 | AFLAC | $247 | $27 | $274 | 0.66% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $824K |
| Dental | AETNA LIFE INSURANCE COMPANY | 214 | $82K |
| Vision | AETNA LIFE INSURANCE COMPANY | 214 | $82K |
| Short-term disability | AFLAC | 49 | $41K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $824K |
| Other | AFLAC | 49 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.