| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, P.O. BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN GENERAL INSRUANCE COMPANY | $14K | — | $14K | 5.41% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 300 N BEACH STREET DAYTONA, FL 32114 | METROPOLITAN GENERAL INSRUANCE COMPANY | — | $12K | $12K | 4.80% |
| FORZA GROUP, LLC3 Filed as: FORZA INSURANCE GROUP | 200 DECADON DRIVE EGG HARBOR TOWNSHIP, NJ 08234 | METROPOLITAN GENERAL INSRUANCE COMPANY | $7K | — | $7K | 2.77% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS, INC | 3011 NORTHWEST 63RD AVE HOLLYWOOD, FL 33024 | METROPOLITAN GENERAL INSRUANCE COMPANY | $2K | — | $2K | 0.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | NORTHEAST SERIES 76 BATTERSON PARK RD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSRUANCE COMPANY | — | $2K | $2K | 0.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN GENERAL INSRUANCE COMPANY | — | $227 | $227 | 0.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE #1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSRUANCE COMPANY | — | $24 | $24 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - TAM | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $543 | $543 | 0.24% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.37% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS, INC. | 3011 NORTHWEST 63 AVE. HOLLYWOOD, FL 33024 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
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 | 1,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 742 | $129K |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,401 | $490K |
| Vision | VISION SERVICE PLAN | 794 | $61K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,189 | $359K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,189 | $229K |
| Other(7 contracts, 7 carriers) | METROPOLITAN GENERAL INSRUANCE COMPANY | 3,339 | $683K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,339 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.