| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | LOCKT/DALLA DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $446K | $449K | 0.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC.-HQ | 1301 DOVE ST STE 200 ATTN ERICA MENDEZ NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $259K | $259K | 0.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOU | 5847 SAN FELIPE STE 2750 HOUSTON, TX 77057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94K | $13K | $106K | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $43K | $43K | 0.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | 444 W 47TH STREET #900 KANSAS, MO 64112 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 20.00% |
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 | 115,354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,083 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116,437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FALLON HEALTH | 697 | $8.2M |
| Vision | VISION SERVICE PLAN | 69,822 | $9.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132,065 | $65.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132,065 | $65.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132,065 | $65.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132,065 | $65.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132,065 | — |
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.