| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD ATLANTA, GA 30376 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $61K | $0 | $61K | 8.14% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: BENTEC WORKPLACE SOLUTION | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 0.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $25K | $0 | $25K | 9.88% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $5K | $0 | $5K | 10.20% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 8.04% |
| US BENTEC WORKPLACE SOLUTIONS3 | 5550 GLADES ROAD, SUITE 308 BOCA RATON, FL 33431 | TRUSTMARK INSURANCE COMPANY | $729 | $0 | $729 | 3.00% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $87 | $0 | $87 | 0.36% |
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 | 532 | 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) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 532 | $257K |
| Vision | VISION SERVICE PLAN | 417 | $45K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 532 | $747K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 532 | $747K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 532 | $747K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 532 | $780K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.