| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38K | $9K | $48K | 16.14% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL INSURANCE COMPANY | $19K | $0 | $19K | 8.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.94% |
| TRILOGY BENEFITS CONSULTING LLC3 Filed as: TRILOGY BENEFITS CONSULTING, LLC | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.07% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $55 | $3K | 5.71% |
| DANIELS SOLUTIONS LLC3 Filed as: DANIELS SOLUTIONS, LLC | 4941 POMPANO DRIVE NEW PORT RICHEY, FL 34652 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $476 | $699 | $1K | 2.67% |
| JANET S DOHERTY3 Filed as: JANET S. DOHERTY | 1001 STARKEY ROAD LARGO, FL 33771 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $765 | $362 | $1K | 2.56% |
| DEBORAH E. MAXWELL AND OTHER AGENTS3 | 1023 GRANADA STREET CLEARWATER, FL 33755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $887 | $150 | $1K | 2.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $933 | $0 | $933 | 2.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN TAMPA, FL 33609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $788 | $0 | $788 | 1.79% |
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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 637 | $238K |
| Vision | HM LIFE INSURANCE COMPANY | 572 | $50K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $295K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $295K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $295K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.