| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 4.76% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | COMPANION LIFE INSURANCE COMPANY | $21K | — | $21K | 8.19% |
| LOCKTON COMPANIES, LLC3 | 7300 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $232 | $4K | 8.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.44% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.68% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 Filed as: TRANSCEND TECHNOLOGIES GROUP | 3101 ZINFANDEL DRIVE, SUITE 200 RANCHO CORDOVA, CA 95670 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $838 | — | $838 | 3.00% |
| ALLIANCE FIN GRP OF CENTRAL &3 Filed as: ALLIANCE FIN. GROUP OF SOUTH FL INC | 14021 METROPOLIS AVENUE FORT MYERS, FL 33912 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ADVANTICA REINSURANCE COMPANY | $775 | — | $775 | 10.00% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $102 | — | $102 | 2.16% |
| LOCKTON COMPANIES, LLC3 | 7300 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $388 | — | $388 | 20.74% |
| MICHAEL R REBER3 Filed as: MICHAEL R. REBER | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.53% |
| JEFF YARISH3 | 16122 ARMISTEAD LANE ODESSA, FL 33556 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.43% |
| MARY REBECCA WEATHERLY3 Filed as: MARY R. WEATHERLY | 1934 EAST LEEWYNN DRIVE SARASOTA, FL 34240 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.21% |
| JESSICA ESKEW3 Filed as: JESSICA R. ESKEW | 8313 WEST HILLSBOROUGH AVENUE SUITE 150 TAMPA, FL 33615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.21% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $1.0M |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 239 | $279K |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 239 | $259K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $50K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $1.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.