| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $0 | $59K | 8.78% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | $0 | $58K | 10.00% |
| MANUEL A. LEON3 Filed as: MANUEL AGUSTIN LEON JR. | 5000 SW 65 AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32K | $0 | $32K | 16.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEITLIN BENEFITS | 9800 NW 41ST STREET, SUITE 300 MIAMI, FL 33178 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 9.97% |
| ANA MARIA LEON3 Filed as: ANA MARIE LEON | 5000 SW 65 AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 6.46% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 4.71% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.96% |
| BRETT ALAN BOOKER3 | 4390 CLEARWATER WAY, APARTMENT 1505 LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
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 | 1,717 | 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) | 1,717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,673 | $676K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,673 | $676K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,303 | $579K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,303 | $579K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,303 | $579K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,303 | $772K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,303 | — |
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.