| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $47K | $2K | $49K | 2.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $23K | $0 | $23K | 1.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741 ATLANTA, GA 30374 | PAN AMERICAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.79% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 14.94% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $95 | $4K | 5.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.01% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 297 | $2.3M |
| Dental(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 297 | $2.2M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 265 | $168K |
| Life insurance(4 contracts, 4 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 257 | $346K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 257 | $170K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 257 | $97K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 297 | $2.3M |
| Other(3 contracts, 3 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 257 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
No prospect flags tripped on this filing.