| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 649 5TH AVENUE SOUTH, SUITE 204 NAPLES, FL 34102 | BLUE CROSS BLUE SHIELD OF FLORIDA | $91K | $0 | $91K | 2.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | SELECTHEALTH | $26K | $0 | $26K | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $5K | $2K | $6K | 0.62% |
| LOCKTON COMPANIES, LLC3 | 649 5TH AVENUE, SUITE 204 NAPLES, FL 34102 | FLORIDA COMBINED LIFE | $52K | $0 | $52K | 9.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | FLORIDA COMBINED LIFE | $211 | $0 | $211 | 0.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $0 | $45K | 14.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 2.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $594 | $594 | 0.20% |
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 | 733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 746 | $5.4M |
| Dental | FLORIDA COMBINED LIFE | 791 | $525K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 746 | $4.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 733 | $303K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 733 | $303K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 733 | $303K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 746 | $4.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 733 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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.