| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $37K | $47K | 5.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 10.98% |
| US BENTEC WORKPLACE SOLUTIONS3 | 5550 GLADES ROAD, SUITE 308 BOCA RATON, FL 33431 | TRUSTMARK INSURANCE COMPANY | $10K | $0 | $10K | 18.68% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 9.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS | 3407 WEST MARTIN LUTHER KING BOULEVARD, SUITE 200 TAMPA, FL 33607 | TRUSTMARK INSURANCE COMPANY | $118 | — | $118 | 0.22% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | TRUSTMARK INSURANCE COMPANY | $103 | — | $103 | 0.19% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $921K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $921K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $921K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $66K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $66K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $921K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.