| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 303741738 | HUMANA | $90K | $0 | $90K | 5.82% |
| CUNDY, INC. Filed as: CUNDY | 333 EAST LAS OLAS BLVD. FORT LAUDERDALE, FL 33301 | LINCOLN FINANCIAL GROUP | $5K | $0 | $5K | 1.00% |
| CUNDY, INC. Filed as: CUNDY | PO BOX 24080 FORT LAUDERDALE, FL 33307 | RELIANCE STANDARD | $4K | $0 | $4K | 1.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA | 29848 NETWORK PLACE CHICAGO, IL 28290 | EYEMED | $4K | $0 | $4K | 2.08% |
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 | 3,060 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 2,645 | $1.6M |
| Vision | EYEMED | 2,504 | $202K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 3,824 | $915K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 3,824 | $915K |
| Other(2 contracts) | ICUBA | 3,060 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,824 | — |
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.