| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 14.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.39% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 12.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.32% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.25% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 00902 | MCS LIFE INSURANCE COMPANY | $3K | — | $3K | 4.95% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | CAPARRA OFFICE CENTER, SUITE 200 GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | $0 | $664 | $664 | 0.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | LEGAL CLUB OF AMERICA | $6K | $0 | $6K | 36.37% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | FIDELITY SECURITY LIFE | $1K | — | $1K | 10.00% |
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 | 609 | 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) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 20 | $79K |
| Dental(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $227K |
| Vision(3 contracts, 3 carriers) | MCS LIFE INSURANCE COMPANY | 242 | $104K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 609 | $262K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 609 | $183K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 609 | $183K |
| Prescription drug(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 20 | $79K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 609 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.