| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | HUMANA MEDICAL PLAN, INC. | $69K | $802 | $69K | 5.50% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $284 | $12K | 8.07% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS, LLC | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.68% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 2520 NORTHWINDS PARKWAY, SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 3.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $587 | $3K | 1.83% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.01% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 8.82% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HUMANA INSURANCE COMPANY | $951 | $0 | $951 | 1.79% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | COMPBENEFITS COMPANY | $3K | $0 | $3K | 9.04% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | COMPBENEFITS COMPANY | $540 | $0 | $540 | 1.90% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 235 | $1.3M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 248 | $82K |
| Vision | HUMANA INSURANCE COMPANY | 248 | $53K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $145K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $145K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $145K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 235 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.