| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $0 | $36K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.16% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 10.95% |
| JM TAMER & CO3 Filed as: JM TAMER & CO. | 6500 PAPERMILL DRIVE, SUITE 201 KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $9K | 9.71% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH ROAD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $992 | $8K | 8.68% |
| JULIA MICHELLE TAMER3 | 6500 PAPERMILL DRIVE, SUITE 201 KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $291 | $3K | 3.51% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 Filed as: CAMBRIDGE FINANCIAL & INS. GROUP | 88 VILLA ROAD GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $901 | $0 | $901 | 0.99% |
| BRIAN JONES3 Filed as: BRIAN A. JONES AND OTHER AGENTS | 200 PROSPERITY DRIVE KNOXVILLE, TN 37923 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $801 | $13 | $814 | 0.90% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS, INC. | 145 RIVER LANDING DRIVE, UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | $340 | $608 | 0.67% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | DELTA DENTAL OF MISSOURI | $6K | $149 | $6K | 9.63% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.70% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $1.2M |
| Dental | DELTA DENTAL OF MISSOURI | 112 | $66K |
| Vision | DELTA DENTAL OF MISSOURI | 112 | $66K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 157 | $32K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 157 | $32K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 157 | $32K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $1.2M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.