| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVE STE 140A PEMBROKE PINES, FL 330276239 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $206K | $237K | 7.01% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST FL 24 CINCINNATI, OH 452022701 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 5550 GLADES RD STE 308 BOCA RATON, FL 33431 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 4.68% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.75% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 5550 GLADES RD STE 308 BOCA RATON, FL 33431 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.67% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $797 | $797 | 0.72% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 5550 GLADES RD STE 308 BOCA RATON, FL 33431 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $695 | $695 | 0.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1200 SW 145TH AVENUE SUITE 140A PEMBROKE PINES, FL 33027 | ARMADA CARE | $300 | — | $300 | 0.37% |
| LOCKTON COMPANIES, LLC3 | FLORIDA SERIES PO BOX 741738 ATLANTA, GA 303741738 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| LOCKTON COMPANIES, LLC3 | LOCKTON DUNNING BENEFITS DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.03% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 5550 GLADES RD STE 308 BOCA RATON, FL 33431 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $647 | $647 | 2.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $573 | $573 | 2.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $231 | $231 | 0.81% |
| LOCKTON COMPANIES, LLC3 | FLORIDA SERIES PO BOX 741738 ATLANTA, GA 303741738 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| LOCKTON COMPANIES, LLC3 | LOCKTON DUNNING BENEFITS DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.05% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 5550 GLADES RD STE 308 BOCA RATON, FL 33431 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $508 | $508 | 2.00% |
| LOCKTON COMPANIES, LLC3 | FLORIDA SERIES PO BOX 741738 ATLANTA, GA 303741738 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 5550 GLADES RD STE 308 BOCA RATON, FL 33431 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $845 | $845 | 5.00% |
| LOCKTON COMPANIES, LLC3 | LOCKTON DUNNING BENEFITS DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $680 | $680 | 4.02% |
| KELLEY J RHEAULT4 | 155 CONCHA DR SEBASTIAN, FL 329586213 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $181 | — | $181 | 10.16% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | STE 250 3280 PEACHTREE RD NE ATLANTA, GA 303052450 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | — | $33 | 1.85% |
| LAROCCA AND ASSOCIATES INC4 Filed as: LAROCCA & ASSOCIATES INC | STE 202 3696 N FEDERAL HWY FORT LAUDERDALE, FL 333086262 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | — | $31 | 1.74% |
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 | 553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 361 | $3.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 361 | $3.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 394 | $34K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 565 | $120K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $110K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 565 | $169K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 361 | $3.4M |
| Other(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 565 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.