| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239K | $18K | $257K | 10.70% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71K | $0 | $71K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $243 | $4K | 0.16% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON SOUTHEAST | 11 NORTH WATER STREET, 19TH FLOOR SUITE 19290 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $539 | $0 | $539 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $97K | $83K | $180K | 8.22% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | KAISER FOUNDATION HEALTH PLAN, INC. | $35K | $0 | $35K | 4.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, TX 30374 | UNUM INSURANCE COMPANY | $78K | $3K | $81K | 20.75% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP, INC. | 3350 RIVEREOOD PARKWAY, SUITE 80 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $18K | $0 | $18K | 4.59% |
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 | 3,833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 97 | $695K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,041 | $2.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,041 | $2.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,847 | $2.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,847 | $2.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 97 | $695K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,960 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,960 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.