| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVE STE 2700 MIAMI, FL 30374 | UNITEDHEALTHCARE INSURANCE COMPANY | $103K | — | $103K | 11.34% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PRTNRS GEN AGNY | 2000 CHAPEL VIEW ROAD, STE 240 CRANSTON, RI 02920 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $27K | $27K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 3.30% |
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 | 1,859 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,098 | $539K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,098 | $539K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,307 | $904K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 2,307 | $904K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 2,307 | $904K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 2,307 | $904K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,307 | — |
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.