| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $74K | $74K | 4.31% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD ATLANTA, GA 30349 | RELIANCE LIFE INSURANCE COMPANY | $25K | $4K | $29K | 19.76% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $0 | $14K | 9.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 8.88% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVENUE BOCA RATON, FL 33432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 7.10% |
| JAMES SMITH3 Filed as: JAMES B. SMITH | 615 ELINOR STREET CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $537 | $0 | $537 | 0.58% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $469 | $0 | $469 | 0.51% |
| JEWEL L SANDS3 Filed as: JEWEL L. LINDSEY AND OTHER AGENTS | PO BOX 2432 HOBE SOUND, FL 33475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | $0 | $137 | 0.15% |
| ADVANTAGE FOUND, INC.3 | 3400 WILLOW STREET LAUDERDALE LAKES, FL 33311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | $0 | $114 | 0.12% |
| SHAZAM BENEFITS INC3 Filed as: SHAZAM BENEFITS, INC. | 804 EAST WINDWARD WAY APARTMENT 511 LANTANA, FL 33462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | $0 | $90 | 0.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | TRUSTMARK INSURANCE COMPANY | $29K | $0 | $29K | 90.00% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 213 | $137K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 213 | $137K |
| Life insurance | RELIANCE LIFE INSURANCE COMPANY | 204 | $149K |
| Short-term disability | RELIANCE LIFE INSURANCE COMPANY | 204 | $149K |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 204 | $149K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $1.7M |
| Other(3 contracts, 3 carriers) | RELIANCE LIFE INSURANCE COMPANY | 204 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.