| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.00% |
| TRACY L REEVES3 Filed as: TRACY L. REEVES | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $2K | $314 | $3K | 6.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AFLAC | $864 | $0 | $864 | 2.20% |
| MJ INSURANCE3 Filed as: MICHAEL K PORTER AND VARIOUS AGENTS | 4000 HOLLYWOOD BOULEVARD SUITE 555S HOLLYWOOD, FL 33021 | AFLAC | $248 | $0 | $248 | 0.63% |
| KEYSTONE BENEFIT GROUP3 | 10175 FORTUNE PARKWAY, SUITE 303 JACKSONVILLE, FL 32256 | AFLAC | $162 | $0 | $162 | 0.41% |
| KAREN A DEVINE3 Filed as: KAREN A. DEVINE | 167 FOOTHILLS DRIVE NELLYSFORD, VA 22958 | AFLAC | $96 | $0 | $96 | 0.24% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH STREET BOCA RATON, FL 33434 | AFLAC | $76 | $0 | $76 | 0.19% |
| THOMAS ASSOCIATES LLC3 Filed as: B. THOMAS EMPLOYEE BENEFITS, LLC | 110 DUSTIN LANE NW MADISON, AL 35757 | AFLAC | $32 | $0 | $32 | 0.08% |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $154K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $154K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.