| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD, LOCKBOX 741738 COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| ELIZABETH SCHENK3 | 4725 WEST SAND LAKE ROAD ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 3.91% |
| BENETEK CORPORATION3 | 6900 TURKEY LAKE ROAD ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | -$7K | -$7K | -3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN CHARLOTTE, NC 28269 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
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 | 693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 455 | $420K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 571 | $23K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 693 | $195K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 693 | $195K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 693 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.