| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $205K | $550 | $206K | 5.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, GA 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $184K | $21K | $206K | 5.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $0 | $49K | 1.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 11 NORTH WATER STREET, 19TH FLOOR SUITE 1929 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 0.23% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $59K | $0 | $59K | 2.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $19K | $0 | $19K | 0.87% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | KAISER FOUNDATION HEALTH PLAN, INC. | $25K | $0 | $25K | 3.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | $0 | $13K | 1.73% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $45K | $0 | $45K | 11.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, GA 35203 | UNUM INSURANCE COMPANY | $32K | $2K | $34K | 8.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 11 NORTH WATER STREET, 19TH FLOOR SUITE 1929 MOBILE, AL 36602 | UNUM INSURANCE COMPANY | $855 | $0 | $855 | 0.22% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 6.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, AL 35203 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 3.32% |
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 | 3,806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 118 | $771K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 6,530 | $2.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,084 | $369K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,791 | $3.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,791 | $3.6M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 118 | $771K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,791 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,530 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.