| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 1.72% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DR WAUKESHA, WI 53188 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 1.23% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | HEALTH OPTIONS, INC | $19K | — | $19K | 1.94% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | HEALTH OPTIONS, INC | $9K | — | $9K | 0.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE DRIVE CHICAGO, IL 60661 | STARMOUNT LIFE INSURANCE COMPANY | $9K | — | $9K | 7.49% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | STARMOUNT LIFE INSURANCE COMPANY | — | $6K | $6K | 4.58% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $834 | $3K | 2.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE STE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.26% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.55% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $824 | $329 | $1K | 2.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE STE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 18.74% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $199 | $1K | 4.86% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.58% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $238 | $238 | 4.58% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $35 | $35 | 0.67% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 104 | $2.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 175 | $125K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 175 | $125K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $35K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $45K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 104 | $2.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.