| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | MATTHEW DEGREGORIO 1220 SW 145TH AVE, SUITE 140A PEMBROKE PINES, FL 33027 | BLUE CROSS BLUE SHIELD OF FLORIDA | $139K | — | $139K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1200 SW 145TH AVE STE 140A PEMBROKE PINES, FL 33027 | HUMANA INSURANCE COMPANY | $46K | — | $46K | 9.94% |
| LOCKTON COMPANIES, LLC3 | FLORI C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | $7K | $94K | 27.00% |
| LOCKTON COMPANIES, LLC3 | FLORI C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 17.00% |
| LOCKTON COMPANIES, LLC3 | FLORI C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $6K | $749 | $6K | 17.00% |
| LOCKTON COMPANIES, LLC3 | FLORI C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $314 | $2K | 14.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1200 SW 145TH AVE PEMBROKE PINES, FL 33027 | COMPBENEFITS COMPANY | $2K | — | $2K | 14.95% |
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 | 1,030 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 506 | $4.6M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 502 | $471K |
| Vision | HUMANA INSURANCE COMPANY | 502 | $458K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,030 | $120K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 382 | $350K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 382 | $350K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,030 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,030 | — |
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."
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.