| 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 | $69K | $69K | 4.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $25K | $0 | $25K | 17.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $904 | $15K | 10.54% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 7.36% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVENUE BOCA RATON, FL 33432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 6.09% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $710 | $0 | $710 | 0.66% |
| JAMES SMITH3 Filed as: JAMES B. SMITH | 242 HERITAGE PARK DRIVE, SUITE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $421 | $0 | $421 | 0.39% |
| SHAZAM BENEFITS INC3 Filed as: SHAZAM BENEFITS, INC & OTHER AGENTS | 804 EAST WINDWARD WAY APARTMENT 511 LANTANA, FL 33462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | $0 | $248 | 0.23% |
| ERICA JULIAO FERRER3 | URB LEVITOWN LAKES CALLE LUZ O N8 TOA BAJA, PR 00949 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | $0 | $157 | 0.14% |
| ADVANTAGE FOUND, INC.3 | 3400 WILLOW STREET LAUDERDALE LAKES, FL 33311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | $0 | $113 | 0.10% |
| FRINGE BENEFITS MANAGEMENT3 | 3101 SESSIONS ROAD TALLAHASSEE, FL 32303 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 8.07% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 5.38% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 221 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 194 | $140K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 194 | $140K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 244 | $145K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 244 | $145K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 244 | $145K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 221 | $1.7M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 244 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.