| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $19K | $0 | $19K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 2.10% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | SOLSTICE BENEFITS, INC | $11K | $0 | $11K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 7.22% |
| SIMPLENROLL3 | 950 PENINSULA CORP CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $474 | $0 | $474 | 2.70% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $426 | $0 | $426 | 2.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS | 4211 WEST BOY SCOUT DRIVE SUITE 1000 TAMPA BAY, FL 33607 | TRUSTMARK INSURANCE COMPANY | $228 | $0 | $228 | 1.30% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | TRUSTMARK INSURANCE COMPANY | $194 | $0 | $194 | 1.11% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $225 | $0 | $225 | 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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOLSTICE BENEFITS, INC | 359 | $112K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $29K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 175 | $155K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 175 | $155K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 175 | $155K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 175 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.