| 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 | $10K | $751 | $11K | 10.64% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD ATLANTA, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $0 | $16K | 17.00% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 23.91% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVENUE BOCA RATON, FL 33432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 15.49% |
| ADVANTAGE FOUND, INC.3 | 3400 WILLOW STREET LAUDERDALE LAKES, FL 33311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.60% |
| JAMES SMITH3 Filed as: JAMES B. SMITH | 242 HERITAGE PARK DRIVE, SUITE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.93% |
| SHAZAM BENEFITS INC3 Filed as: SHAZAM BENEFITS INC. | 804 EAST WINDWARD WAY APARTMENT 511 LANTANA, FL 33462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.52% |
| JEWEL L SANDS3 Filed as: JEWEL L. SANDS | PO BOX 2432 HOBE SOUND, FL 33475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $897 | $0 | $897 | 1.28% |
| MJ INSURANCE3 Filed as: JOSHUA L. CLINE AND VARIOUS AGENTS | 349 BOTELER ROAD FLORENCE, MS 39073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $728 | $0 | $728 | 1.04% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $102K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $102K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $96K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $96K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $96K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.