| 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 | — | $90K | 5.82% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA | 4211 WEST BOY SCOUT BLVD., STE 1000 TAMPA, FL 336075724 | HUMANA | $24 | — | $24 | 0.00% |
| CUNDY, INC. Filed as: CUNDY INSURANCE AGENCY | PO BOX 24080 FORT LAUDERDALE, FL 33307 | LINCOLN FINANCIAL GROUP | $10K | $43K | $54K | 5.24% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 30374 | EYEMED | $5K | — | $5K | 2.50% |
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 | 2,904 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 2,645 | $1.6M |
| Vision | EYEMED | 3,753 | $200K |
| Life insurance | LINCOLN FINANCIAL GROUP | 3,482 | $1.0M |
| Long-term disability | LINCOLN FINANCIAL GROUP | 3,482 | $1.0M |
| Other(2 contracts) | INDEPENDENT COLLEGES AND BENEFITS ASSN | 2,904 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,753 | — |
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.