| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - CHICAGO | 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 2.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $892 | — | $892 | 0.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 83 N PARK PL BLVD #101 CLEARWATER, FL 33759 | HUMANA INSURANCE COMPANY | $515 | $59 | $574 | 0.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - DENVER | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | HUMANA INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 500 W MONROE ST STE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 904037 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 83 N PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $811 | $811 | 1.83% |
| LOCKTON COMPANIES, LLC3 | 500 W MONROE ST STE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 904037 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 83 N PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $491 | $491 | 1.75% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE STE 103 TAMPA, FL 33614 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $586 | $10K | 52.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST STE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $95 | $4K | 21.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $146 | $146 | 0.76% |
| LOCKTON COMPANIES, LLC3 | 500 W MONROE ST STE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 904037 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 83 N PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $502 | $502 | 2.81% |
| LOCKTON COMPANIES, LLC3 | 500 W MONROE ST STE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $963 | — | $963 | 5.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 904037 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $702 | — | $702 | 4.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC | 83 N PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $329 | $329 | 1.98% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE STE 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $200 | $3K | 68.04% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $71 | $1K | 28.81% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 193 | $125K |
| Vision | HUMANA INSURANCE COMPANY | 193 | $125K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $44K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.