| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKEL AVENUE, SUITE 2700 MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $34K | $0 | $34K | 3.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | $0 | $32K | 2.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $426 | $8K | 5.46% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 4.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $932 | $932 | 0.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE, 10TH FLOOR MIAMI, FL 33131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.95% |
| MJ INSURANCE3 Filed as: BRANDON FERNANDEZ & VARIOUS AGENTS | 3208 SW 143RD PLACE MIAMI, FL 33175 | CONTINENTAL AMERICAN INSURANCE COMPANY | $695 | $0 | $695 | 1.03% |
| SHIRLEY SASTRE SOUTO3 Filed as: SHIRLEY SASTRE-SOUTO | 1401 TUNIS STREET CORAL GABLES, FL 33134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $547 | $0 | $547 | 0.81% |
| JILL LISA RAPPAPORT3 Filed as: JILL RAPPAPORT | 139B 22ND STREET BROOKLYN, NY 11232 | CONTINENTAL AMERICAN INSURANCE COMPANY | $253 | $0 | $253 | 0.38% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | $0 | $127 | 0.19% |
| LOURDES D. ARAGONA3 | 10471 SW SARAH WAY PORT ST. LUCIE, FL 34987 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | 0.08% |
| ANA MARIA LEON3 Filed as: ANA M. LEON | 7400 SW 50 TERRACE, SUITE 300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | $0 | $53 | 0.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $701 | $2K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD ATLANTA, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.02% |
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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 73 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 261 | $142K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 261 | $142K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $30K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $30K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 73 | $1.1M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 887 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 887 | — |
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.