| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $12K | $18K | 4.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $28K | $6K | $34K | 12.13% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 6230 FAIRVIEW ROAD SUITE 210 CHARLOTTE, NC 28210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 7.89% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.88% |
| PHILLIP GOODRUM3 | PO BOX 713688 CHICAGO, IL 60677 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 6.77% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE 510 CHARLOTTE, NC 28210 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 3.64% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 9.21% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 250 ATLANTA, GA 30305 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $253 | $2K | 8.09% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $863 | $0 | $863 | 4.12% |
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 | 683 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 72 | $282K |
| Dental | AETNA LIFE INSURANCE COMPANY | 72 | $282K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,170 | $366K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 677 | $411K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 677 | $411K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 72 | $282K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,338 | $759K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,338 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.