| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | DELTA DENTAL INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| 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% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-TAMPA FL | PO BOX 741738 ATLANTA, GA 30374 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $420 | — | $420 | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BOUCHARD CLEARWATER, FL 33765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 2.69% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 1.43% |
| DAVID CHRISTOPHER NUNES3 | 11332 SOUTHWEST 133 PLACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.90% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN & HOLT LLC | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.63% |
| ESSENTIAL BENEFITS LLC3 | 8421 SOUTHWEST 124TH AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.45% |
| ELIZABETH SANGUILY3 | 8421 SOUTHWEST 124TH AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.18% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SOUTHWEST 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.18% |
| SUSANNE PAPA3 | 4750 STONEVIEW CIRCLE OLD SMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.09% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | — | COMBINED INSURANCE | — | $204 | $204 | 54.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | COMBINED INSURANCE | $136 | — | $136 | 36.07% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 182 | $114K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 228 | $14K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 166 | $42K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 166 | $42K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 166 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.