| 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 | $78K | $78K | 5.31% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNION SECURITY INSURANCE COMPANY | $52K | $5K | $57K | 20.93% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE MIAMI, FL 33131 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $19K | $0 | $19K | 7.31% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | $0 | $13K | 4.99% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATION CREEK SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | $0 | $13K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.68% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 200 MIAMI, FL 33131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | $4K | $30K | 17.33% |
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 | 349 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 183 | $270K |
| Vision | UNION SECURITY INSURANCE COMPANY | 183 | $270K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 349 | $171K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 349 | $171K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 349 | $171K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 349 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.