| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | HEALTH OPTIONS, INC. | $71K | $0 | $71K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 11.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.35% |
| LOCKTON COMPANIES, LLC3 | 111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | $0 | $3K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | ACE AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| DSM FINANCIAL LLC3 | 10519 WHEELHOUSE CIRCLE BOCA RATON, FL 33428 | ACE AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 7.00% |
| SOUTHEASTERN INSURANCE GROUP INC.3 | 2340 HARD SCRABBLE ROAD COLUMBIA, SC 29223 | ACE AMERICAN INSURANCE COMPANY | $590 | $0 | $590 | 1.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 24.50% |
| ANA MARIA LEON3 | 5000 SW 65TH AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 13.13% |
| JUSTO E LEGIDO3 Filed as: JUSTO E. LEGIDO | 700 SAN ESTEBAN AVENUE CORAL GABLES, FL 33146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 7.37% |
| MARIA C ORTIZ3 Filed as: MARIA CHRISTINA ORTIZ | 3530 WEST GLENCOE STREET MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.04% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKEL AVENUE, SUITE 2700 MIAMI, FL 33131 | METLIFE LEGAL PLANS OF FLORIDA | $281 | $49 | $330 | 10.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $12 | $12 | 0.40% |
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 | 667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 182 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 667 | $258K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 667 | $258K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 667 | $258K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 667 | $258K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 667 | $258K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 182 | $1.5M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 667 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.