| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST. LOUIS, MO 63150 | AETNA LIFE INSURANCE COMPANY | — | $72K | $72K | 4.90% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD, SUITE 475 HOLLYWOOD, FL 33021 | AETNA LIFE INSURANCE COMPANY | $1K | $14K | $16K | 1.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | AETNA LIFE INSURANCE COMPANY | $7K | $4K | $10K | 0.70% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 14.22% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.30% |
| LOCKTON COMPANIES, LLC3 Filed as: SOUTHEAST SERIES OF LOCKTON COMPANI | PO BOX 741738 ATLANTA, GA 30374 | PREFERRED LEGAL PLAN | $543 | — | $543 | 11.63% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD, SUITE 475 HOLLYWOOD, FL 33021 | PREFERRED LEGAL PLAN | $130 | — | $130 | 2.79% |
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 | 215 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 261 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 261 | $1.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 261 | $1.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $137K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $137K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $137K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.