| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $38K | $6K | $44K | 14.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $0 | $21K | 10.01% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.98% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.61% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.38% |
| LOCKTON COMPANIES, LLC3 | 3061 SW 160TH AVENUE MIRAMAR, FL 33027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 13.30% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS, INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 11.29% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE SAINT PETERSBURG, FL 33705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $808 | $258 | $1K | 2.15% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS, INC. | 14716 SOUTHWEST 112TH TERRACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $348 | $112 | $460 | 0.93% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $396 | $0 | $396 | 0.80% |
| ESSENTIAL BENEFITS LLC3 Filed as: ESSENTIAL BENEFITS AND OTHER AGENTS | 8421 SW 124TH AVENUE MIAMI, FL 33183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 0.25% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | UNKNOWN KEY BISCAYNE, FL 33146 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $20 | $60 | 0.12% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METLIFE LEGAL PLANS OF FLORIDA | $770 | $114 | $884 | 11.49% |
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 | 675 | 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) | 675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 204 | $53K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $213K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $213K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 675 | $313K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 675 | $313K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 675 | $313K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 675 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.