| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DALLAS SERIES DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $623K | $623K | 1.25% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #22852 PO BOX 22852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $391K | $72K | $462K | 6.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC.-HQ | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $164 | $164 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES STE 300 | 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2 | $2 | 0.00% |
| LOCKTON COMPANIES, LLC3 | DALLAS SERIES DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 2.00% |
| LOCKTON COMPANIES, LLC3 | DALLAS SERIES DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| LOCKTON COMPANIES, LLC3 | DALLAS SERIES DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $99 | $99 | 0.99% |
| LOCKTON COMPANIES, LLC3 | DALLAS SERIES DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | FIRST UNUM LIFE INSURANCE COMPANY | — | $165 | $165 | 2.00% |
| TITAN BENEFIT COMMUNICATIONS LLC3 Filed as: TITAN BENEFIT | COMMUNICATIONS LLC 504 EAST 4TH ST ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 1.24% |
| ALLIED GROUP INSURANCE3 | SERVICES OF MICHIGAN INC 280 W MAPLE STE 200 BIRMINGHAM, MI 48009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.62% |
| VIKING BENEFITS3 | 1233 SHIPMAN BLVD BIRMINGHAM, MI 48009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.62% |
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 | 64,466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 921 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20,216 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 85,603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FALLON HEALTH | 307 | $4.8M |
| Vision | VISION SERVICE PLAN | 49,121 | $7.7M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104,409 | $49.8M |
| Short-term disability(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104,409 | $50.0M |
| Long-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104,409 | $50.2M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104,409 | $58.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104,409 | — |
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.