| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $50K | $50K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA, INC. | 29727 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 0.46% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $95 | $95 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $47K | $0 | $47K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFORNIA, INC. | PO BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $0 | $34K | $34K | 1.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA, INC. | FIVE CONCOURSE PARKWAY, 18TH FLOOR ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 0.73% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 4.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | UNKNOWN REDLANDS, CA 92373 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $0 | $23K | 3.67% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6 | $0 | $6 | 0.01% |
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 | 3,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $628K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,769 | $4.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 8,769 | $3.7M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,698 | $2.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,698 | $2.0M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,698 | $2.1M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 3,698 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,769 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.