| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | UNKNOWN ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $34K | $0 | $34K | 0.60% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.09% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE & ASSOCIATES LTD | 445 BROADHOLLOW ROAD SUITE 119 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT PARK, SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $8K | $44K | 9.43% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD SUITE 300 MOUNT PLEASANT, SC 29464 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 3.77% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE & ASSOCIATES LTD | 445 BROADHOLLOW ROAD SUITE 119 MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT PARK, SUITE 510 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $8K | $1K | $9K | 17.20% |
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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,102 | $5.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,102 | $5.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,102 | $5.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 943 | $469K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 943 | $469K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 943 | $469K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,102 | $5.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 943 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,102 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.