| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC | PO BOX 741738 ATLANTA, GA 30374 | DELTA DENTAL | — | — | $0 | 0.00% |
| LOCKTON COMPANIES, LLC | 8110 E UNION AVE. SUITE 700 DENVER, CO 80237 | SYMETRA LIFE INSURANCE COMPANY | $17K | — | $17K | 6.79% |
| ICUBA | — | ICUBA | — | — | $0 | 0.00% |
| EXPLAIN MY BENEFITS LLC Filed as: EXPLAIN MY BENEFITS | 2461 W STATE ROAD SUITE 2021 OVIEDO, FL 32765 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 32.89% |
| LOCKTON COMPANIES, LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 21.99% |
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 | 822 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 560 | $346K |
| Vision | ICUBA | 1,022 | $67K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 822 | $246K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 220 | $25K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 822 | $246K |
| Other | 799 | $383K | |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,022 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.