| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $96K | $0 | $96K | 34.07% |
| LOCKTON COMPANIES, LLC4 | 3280 PEACHTREE ROAD NE SUITE 250 ATLANTA, GA 30305 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 10.00% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOC., INC. | 954 TYLER STREET HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 4.70% |
| TOMAS M. DIEBOLD4 | 2517 SE CARPENTER STREET PORT ST. LUCIE, FL 34984 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 3.70% |
| EMILY J. DIEBOLD4 | 2517 SE CARPENTER STREET PORT ST. LUCIE, FL 34984 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $712 | $0 | $712 | 1.60% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE SUITE 140A PEMBROKE PINES, FL 33027 | HARTFORD FIRE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
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 | 6,777 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 30 | $216 |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,009 | $165K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,185 | $963K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,185 | $963K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 7,185 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,185 | — |
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.