| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THAXTON GROUP, INC.3 Filed as: THAXTON BARCLAY GROUP | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $63K | — | $63K | 12.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC DALLAS TX | 2100 ROSS AVE #1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | -$4K | -$4K | -0.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (SOUTHEAST) | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$12K | — | -$12K | -2.48% |
| SHEA BARCLAY GROUP3 | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.43% |
| SHEA BARCLAY GROUP3 | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-NAPLES, FL | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.30% |
| MARK F BARRETT LLC3 Filed as: MARK F BARRETT | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $5K | — | $5K | 24.34% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | UNUM INSURANCE COMPANY | $3K | — | $3K | 16.22% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $851 | — | $851 | 4.52% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARK F BARRETT LLC3 Filed as: MARK F BARRETT | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | UNUM INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| MARK F BARRETT LLC3 Filed as: MARK F BARRETT | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $3K | — | $3K | 18.87% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | UNUM INSURANCE COMPANY | $2K | — | $2K | 12.58% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $610 | — | $610 | 4.49% |
| SHEA BARCLAY GROUP3 | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOOD RD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $723 | — | $723 | 5.89% |
| SHEA BARCLAY GROUP3 | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $781 | — | $781 | 8.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOOD RD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $610 | — | $610 | 6.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $460 | $1K | $2K | 57.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $375 | $367 | $742 | 87.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $126 | $1K | $1K | 163.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $91 | $199 | $290 | 47.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIM ADMIN | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $119K |
| THAXTON BARCLAY GROUP INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | $26K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $927 |
| CIGNA | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $0 |
| LOCKTON COMPANIES LLC INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | PO BOX 741738 ATLANTA, GA 30374 | -$5K |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 263 | $496K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 263 | $496K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 354 | $837 |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $47K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $13K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 263 | $496K |
| Other(8 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 354 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.