| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $122K | — | $122K | 17.76% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $7K | $21K | 6.90% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 1.58% |
| LOCKTON COMPANIES, LLC3 | 1200 SOUTHWEST 145TH AVENUE SUITE 140A PEMBROKE PINES, FL 33027 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.77% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | ARAG INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 298 | $690K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $305K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $305K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $305K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $305K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $305K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 298 | $690K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.