| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | DELTA DENTAL INSURANCE COMPANY | $80K | $80K | $161K | 9.75% |
| CUNDY, INC. Filed as: CUNDY INSURANCE AGENCY | PO BOX 24080 FT. LAUDERDALE, FL 33307 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $179K | $193K | 14.39% |
| EXPLAIN MY BENEFITS LLC Filed as: EXPLAIN MY BENEFITS | 2461 W STATE ROAD 426, SUITE 2021 SUITE 700 OVIEDO, FL 32765 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43K | $43K | $86K | 21.09% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | $29K | $57K | 14.04% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE | $8K | $8K | $17K | 5.81% |
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 | 3,410 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,681 | $1.6M |
| Vision | EYEMED VISION CARE | 2,399 | $287K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,708 | $1.3M |
| Other(3 contracts, 2 carriers) | INDEPENDENT COLLEGES & UNIVERSITIES BENEFITS ASSOCIATION | 3,410 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,708 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.