| 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 | 5.00% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | 8110 E. UNION AVE. STE 700 DENVER, CO 80237 | SYMETRA LIFE INSURANCE COMPANY | $22K | — | $22K | 5.01% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.06% |
| EXPLAIN MY BENEFITS LLC Filed as: EXPLAIN MY BENEFITS | 2461 W STATE ROAD 426 OVIEDO, FL 32765 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $7K | $7K | 14.44% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | 3601 SW 160TH AVE STE 200 MIRAMAR, FL 33027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 9.63% |
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 | 804 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 767 | $481K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,017 | $61K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 929 | $434K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 186 | $50K |
| Other(2 contracts) | INDEPENDENT COLLEGES AND UNIVERSITIES BENEFITS ASSN | 775 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,017 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.