| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $101K | $0 | $101K | 11.42% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 OVIEDO, FL 32765 | HARTFORD LIFE AND ACCIDENT | $30K | $0 | $30K | 3.37% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $28K | $28K | 3.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, TX 30374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.13% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 6.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 15.00% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.98% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.98% |
| UNKNOWN3 | UNKNOWN MIAMI, FL 33142 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 43.14% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | METLIFE LEGAL PLANS OF FLORIDA | $295 | $50 | $345 | 11.62% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | METLIFE LEGAL PLANS OF FLORIDA | $29 | $0 | $29 | 0.98% |
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 | 2,222 | 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) | 2,222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 593 | $253K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 713 | $50K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,222 | $884K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,222 | $884K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,222 | $884K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 2,222 | $974K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,222 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.