| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $79K | $79K | 5.09% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE SUITE 510 CHARLOTTE, NC 28210 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $18K | $0 | $18K | 6.28% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $15K | $0 | $15K | 4.99% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CR SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $15K | $0 | $15K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 33131 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.58% |
| LOCKTON COMPANIES, LLC3 | 201 S BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $57 | $14K | 6.76% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE SUITE 2700 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $57 | $8K | 3.73% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.62% |
| ROBERT WHITTINGTON3 | 1200 E TAFT AVENUE SAPULPA, OK 74066 | METROPOLITAN LIFE INSURANCE COMPANY | $470 | $0 | $470 | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BOULEVARD SUITE 1000 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | -$24 | $0 | -$24 | -0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 13.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 29848 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $135 | $2K | 1.16% |
| BENEFIT TECHNOLOGIES LLC3 | 1200 EAST TAFT STREET SEPULPA, OK 74066 | TRUSTMARK INSURANCE COMPANY | $13K | $0 | $13K | 16.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 WEST BOY SCOUT DRIVE SUITE 1000 TAMPA BAY, FL 33607 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 2.86% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $294 | $0 | $294 | 8.37% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $59 | $59 | 1.68% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $205K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $150K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $150K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $150K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $1.6M |
| Other(4 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 339 | $727K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.