| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 5.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE SUITE 700 DENVER, CO 80237 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA-TAMPA, FL | 29848 NETWORK PLACE CHICAGO, IL 28290 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $231 | — | $231 | 2.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | COMPBENEFITS COMPANY | $548 | — | $548 | 5.88% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 4.28% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 2.19% |
| DAVID CHRISTOPHER NUNES3 | 11332 SOUTHWEST 133 PLACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 1.42% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.96% |
| ESSENTIAL BENEFITS LLC3 | 8421 SOUTHWEST 124 AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.58% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 12002 SOUTHWEST 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.27% |
| ELIZABETH SANGUILY3 | 8421 SOUTHWEST 124TH AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.26% |
| SUSANNE PAPA3 | 4750 STONEVIEW CIRCLE OLD SMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.10% |
| PAMELA EISELE FAZIO3 | 301 CAMBRIDGE ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.09% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 80 | $85K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 98 | $11K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 157 | $38K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 157 | $38K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 157 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
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.