| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | DELTA DENTAL INSURANCE COMPANY | $24K | — | $24K | 4.88% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | SYMETRA LIFE INSURANCE COMPANY | $23K | $7K | $30K | 6.40% |
| EXPLAIN MY BENEFITS LLC Filed as: EXPLAIN MY BENEFITS | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 10.54% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 7.02% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE | $2K | — | $2K | 2.91% |
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 | 855 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 703 | $492K |
| Vision | EYEMED VISION CARE | 674 | $66K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,035 | $467K |
| Other(3 contracts, 2 carriers) | INDEPENDENT COLLEGES & UNIVERSITIES BENEFITS ASSOCIATION | 855 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,035 | — |
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."
No prospect flags tripped on this filing.