| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $2K | $36K | 12.92% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $2K | $33K | 13.23% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 15.23% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 4.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS SOUTHEAST, INC. | 4211 WEST BOY SCOUT DRIVE SUITE 1000 TAMPA BAY, FL 33607 | TRUSTMARK INSURANCE COMPANY | $665 | $0 | $665 | 2.19% |
| SIMPLENROLL3 | 950 PENINSULA CORP CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $326 | $0 | $326 | 1.08% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | TRUSTMARK INSURANCE COMPANY | $121 | $0 | $121 | 0.40% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $350 | $0 | $350 | 10.00% |
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 |
|---|---|---|---|
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $528K |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $528K |
| Life insurance(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $600K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $569K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $569K |
| Other(6 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.