| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | HEALTH OPTIONS, INC. | $67K | $0 | $67K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | $0 | $32K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | $0 | $46K | 11.91% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.60% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.00% |
| THE LOOMIS COMPANY5 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE 3007 BOCA RATON, FL 33487 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 10.31% |
| ANA MARIA LEON3 | 5000 SW 65TH AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.09% |
| JUSTO E LEGIDO3 Filed as: JUSTO E. LEGIDO | 700 SAN ESTEBAN AVENUE CORAL GABLES, FL 33146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $929 | $0 | $929 | 2.30% |
| MARIA C ORTIZ3 Filed as: MARIA CHRISTINA ORTIZ | 3530 WEST GLENCOE STREET MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $727 | $0 | $727 | 1.80% |
| SHARON NEIMANIS3 Filed as: SHARON V. K. NEIMANIS | 45 OLD OX ROAD MANHASSET, NY 11030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.15% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METLIFE LEGAL PLANS OF FLORIDA | $244 | $102 | $346 | 15.12% |
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 | 712 | 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) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 220 | $2.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 712 | $383K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 712 | $383K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 712 | $383K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 712 | $383K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 712 | $383K |
| Prescription drug(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 220 | $2.0M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 712 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.