| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | HUMANA MEDICAL PLAN, INC. | $117K | $2K | $119K | 4.07% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | HUMANA INSURANCE COMPANY | $13K | $2K | $14K | 11.20% |
| JEFF'S HEALTH INSURANCE INC.3 Filed as: JEFF HEALTH INSURANCE, INC. | PO BOX 811177 BOCA RATON, FL 33481 | HUMANA INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | COMPBENEFITS COMPANY | $3K | $789 | $4K | 12.79% |
| JEFF'S HEALTH INSURANCE INC.3 Filed as: JEFF HEALTH INSURANCE, INC. | PO BOX 811177 BOCA RATON, FL 33481 | COMPBENEFITS COMPANY | -$1 | $0 | -$1 | -0.00% |
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 | 337 | 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) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 338 | $2.9M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 268 | $157K |
| Vision | HUMANA INSURANCE COMPANY | 268 | $129K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 338 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.