| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | BANK OF AMERICA LOCKBOX SERVICES COLLEGE PARK, GA 30349 | AETNA LIFE INSURANCE COMPANY | $128K | $86 | $128K | 3.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $47K | $0 | $47K | 1.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1200 SW 145TH AVENUE, SUITE 140 PEMBROKE PINES, FL 33027 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.94% |
| LOCKTON COMPANIES, LLC3 | BANK OF AMERICA LOCKBOX SERVICES COLLEGE PARK, GA 30349 | AETNA HEALTH OF CALIFORNIA, INC. | $3K | $0 | $3K | 2.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA HEALTH OF CALIFORNIA, INC. | $2K | $0 | $2K | 1.24% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $3K | $0 | $3K | 8.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $472 | $0 | $472 | 1.23% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 1000, 10TH FLOOR ATLANTA, GA 30305 | LEGALPLANS, USA | $1K | $0 | $1K | 14.99% |
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 | 783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,453 | $4.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,453 | $4.2M |
| Vision | VISION SERVICE PLAN | 616 | $38K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 993 | $212K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 993 | $212K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 993 | $212K |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 1,453 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,453 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.