| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | DELTA DENTAL OF TENNESSEE | $331K | $0 | $331K | 5.45% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE, SUITE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $467K | $91K | $557K | 9.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $180K | $0 | $180K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE, SUITE 3400 CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $138K | $24K | $162K | 12.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $42K | $10K | $51K | 3.91% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $92K | — | $92K | 9.05% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $53K | $53K | 5.45% |
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 | 10,575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 52 | $978K |
| Dental | DELTA DENTAL OF TENNESSEE | 18,217 | $6.1M |
| Vision | VISION SERVICE PLAN | 8,422 | $1.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,474 | $6.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,474 | $6.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,474 | $6.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,474 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,217 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.