| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $99K | $0 | $99K | 4.20% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 0.28% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 5.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.09% |
| LOCKTON COMPANIES, LLC3 | 111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.91% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.56% |
| LOCKTON COMPANIES, LLC3 | 111 BRICKELL AVENUE SUITE 2700 MIAMI, FL 33131 | VISION SERVICE PLAN | $819 | $0 | $819 | 3.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $365 | $0 | $365 | 1.61% |
| LESLIE BRERETON3 | 2125 NE 63RD COURT FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $550 | $25 | $575 | 2.69% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $541 | $0 | $541 | 2.53% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES | 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $357 | $0 | $357 | 1.67% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.21% |
| AVERY INSURANCE INC3 Filed as: AVERY INSURANCE, INC. | UNKNOWN POMPANO BEACH, FL 33069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $2 | $39 | 0.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.05% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | $0 | $1K | 9.83% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $229 | $229 | 1.57% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 463 | $2.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $129K |
| Vision | VISION SERVICE PLAN | 168 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $146K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $146K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $146K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 463 | $2.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.
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.