| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $103K | $0 | $103K | 6.07% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $4K | $20K | 13.56% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.91% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.64% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | GERBER LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| UNKNOWN3 | UNKNOWN COCONUT CREEK, FL 33073 | HOLMAN PROFESSIONAL COUNSELING CENTERS | $119 | $0 | $119 | 5.01% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $180K |
| Vision | VISION SERVICE PLAN | 113 | $31K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $148K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $148K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $148K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $1.7M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.