| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPT. 3042 P.O. BOX 123042 DALLAS, TX 753123042 | PRINCIPAL LIFE INSURANCE COMPANY | $149K | — | $149K | 7.64% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | PRINCIPAL LIFE INSURANCE COMPANY | $99K | — | $99K | 5.05% |
| CARTER, DAVID, KEMP3 | P.O. BOX 2572 ORANGE PARK, FL 32067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75K | — | $75K | 7.88% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39K | — | $39K | 4.10% |
| CHASE HOFF3 | 1776 AMERICAN HERITAGE DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 1.53% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $3K | $3K | 0.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS, TOWERS, WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 606731299 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.00% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.00% |
| SAMUEL R MORRIS JR3 Filed as: SAMUEL MORRIS, JR. | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75205 | HEALTH CARE SERVICE CORPORATION (BCBS TX) | — | $49K | $49K | 9.09% |
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 | 8,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,073 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY (DAVIS VISION) | 3,765 | $224K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 8,953 | $2.9M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 8,953 | $2.0M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 8,953 | $2.0M |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION (BCBS TX) | 3,598 | $537K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 8,953 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,953 | — |
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.