| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1111 BRICKELL AVE STE 2700 MIAMI, FL 331313154 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71 | $71 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | PO BOX 1414 NCB-88 MINNEAPOLIS, MN 554801414 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 751 ARBOR WAY SUITE 250 BLUE BELL, PA 19422 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.58% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.24% |
| MARIA C ORTIZ3 | 7400 SW 50 TR #300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 11.25% |
| SANDRA VELAZQUEZ3 | 6374 SOUTHWEST 22ND ST MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.91% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.81% |
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 | 735 | 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) | 735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 987 | $314K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 987 | $289K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 735 | $284K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 735 | $284K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 735 | $284K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 735 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 987 | — |
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.