| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD SHAFFER3 | 5340 WEST KENNEDY BOULEVARD UNIT 405 TAMPA, FL 33609 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $85K | $0 | $85K | 2.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $43K | $0 | $43K | 16.53% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 4.29% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.89% |
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 | 434 | 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) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 517 | $3.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 463 | $226K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 463 | $226K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 513 | $262K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 513 | $262K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 513 | $262K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 517 | $3.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 513 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.