| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $197K | $197K | 5.11% |
| CECO INSURANCE GROUP, LLC3 | 304 WEST MAIN STREET ROUND ROCK, TX 78664 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $131K | $131K | 3.40% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | HUMANA INSURANCE COMPANY | $56K | $0 | $56K | 22.37% |
| CECO INSURANCE GROUP, LLC3 | 304 WEST MAIN ROUND ROCK, TX 78664 | HUMANA INSURANCE COMPANY | $27K | $0 | $27K | 10.64% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $348 | $21K | 11.88% |
| CECO INSURANCE GROUP, LLC3 | 304 WEST MAIN STREET ROUND ROCK, TX 78664 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.88% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.82% |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 916 | $3.8M |
| Dental | HUMANA INSURANCE COMPANY | 469 | $249K |
| Vision | HUMANA INSURANCE COMPANY | 469 | $249K |
| Life insurance | HUMANA INSURANCE COMPANY | 469 | $249K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 608 | $180K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 916 | $3.8M |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 608 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 916 | — |
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.
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.