| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INFINITE BROKERS3 | 11020 NORTH KENDALL DRIVE SUITE 100 MIAMI, FL 33176 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $0 | $25K | 8.26% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES | 2103 CORAL WAY, SUITE 603 MIAMI, FL 33145 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 6.74% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $7K | $132 | $8K | 8.63% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINGTON, CT 06032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 15.34% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.70% |
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 | 734 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 772 | $88K |
| Vision | AETNA LIFE INSURANCE COMPANY | 772 | $88K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 734 | $308K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 734 | $308K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 734 | $308K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 734 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.