| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $56K | $66K | 4.72% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $31K | $0 | $31K | 17.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 2.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 7.09% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVENUE BOCA RATON, FL 33432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 5.45% |
| ERICA JULIAO FERRER3 | URB LEVITOWN LAKES CALLE LUZ O N8 TOA BAJA, PR 00949 | CONTINENTAL AMERICAN INSURANCE COMPANY | $707 | $0 | $707 | 0.81% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | $0 | $291 | 0.34% |
| JAMES SMITH3 Filed as: JAMES B. SMITH | 242 HERITAGE PARK DRIVE, SUITE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $255 | $0 | $255 | 0.29% |
| ADVANTAGE FOUND, INC.3 | 3400 WILLOW STREET LAUDERDALE LAKES, FL 33311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.08% |
| JEWELL L. LINDSEY AND OTHER AGENTS3 | 4084 SE DIXIE ROSS STREET STUART, FL 34997 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.06% |
| FRINGE BENEFITS MANAGEMENT3 | UNKNOWN MIAMI, FL 33181 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 6.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 4.63% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $1.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 126 | $184K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 126 | $184K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 126 | $184K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $1.5M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 126 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.