| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $56K | $56K | 2.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71K | $2K | $73K | 23.03% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $380 | $6K | 1.90% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | HUMANA INSURANCE COMPANY | $19K | $0 | $19K | 9.11% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | HUMANA INSURANCE COMPANY | $3K | $3K | $6K | 3.05% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.62% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.18% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | USABLE LIFE | $706 | $0 | $706 | 7.00% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $81 | $0 | $81 | 0.80% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | COMPBENEFITS COMPANY | $1K | $0 | $1K | 14.21% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | COMPBENEFITS COMPANY | $168 | $330 | $498 | 6.56% |
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 | 485 | 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) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $1.9M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 207 | $215K |
| Vision | HUMANA INSURANCE COMPANY | 207 | $207K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $329K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $319K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $319K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $1.9M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.