| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD ATLANTA, GA 30346 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71K | $0 | $71K | 10.00% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN ATLANTA, GA 30346 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $33K | $0 | $33K | 10.42% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 6230 FAIRVIEW ROAD SUITE 210 CHARLOTTE, NC 28210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $63K | $0 | $63K | 37.80% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | $0 | $27K | 16.20% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 7.49% |
| US BENTEC WORKPLACE SOLUTIONS3 | 5550 GLADES ROAD, SUITE 308 BOCA RATON, FL 33431 | TRUSTMARK INSURANCE COMPANY | $970 | $0 | $970 | 3.39% |
| PHILLIP GOODRUM3 Filed as: PHILLIP P GOODRUM | PO BOX 2973 CLINTON, IA 52733 | TRUSTMARK INSURANCE COMPANY | $104 | $0 | $104 | 0.36% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $85 | — | $85 | 0.30% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 874 | $313K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 874 | $313K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $740K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $712K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $712K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $920K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 874 | — |
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.