| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | $132K | $149K | 3.39% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 6.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $11K | — | $11K | 40.10% |
| LESLIE BRERETON3 | 2125 NE 63RD COURT FT. LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $381 | — | $381 | 2.97% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $228 | $0 | $228 | 1.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $0 | $151 | 1.18% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON R. NOWELL | 10954 MILL POND WAY ORLANDO, FL 32825 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.24% |
| AVERY INSURANCE INC3 Filed as: AVERY INSURANCE, INC. | 460 SE 3RD TERRACE POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.14% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE, INC. | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.12% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 263 | $4.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 263 | $4.4M |
| Vision | VISION SERVICE PLAN | 192 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $148K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $148K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $148K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 263 | $4.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.