| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 1200 SW 145TH AVE STE 140A HOLLYWOOD, FL 33027 | BLUE CROSS BLUE SHIELD OF FLORIDA | $36K | — | $36K | 6.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 8110 E UNION AVE STE 700 DENVER, CO 802372966 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 11.92% |
| ROGERS BENEFIT GROUP INC3 | 600 SANDTREE DR STE 208 PALM BEACH GARD, FL 334030004 | PRINCIPAL LIFE INSURANCE COMPANY | $464 | — | $464 | 0.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 777 S FIGUEROA ST STE 5200 LOS ANGELES, CA 900175850 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 27.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 3601 SW 160TH AVENUE SUITE 200 MIRAMAR, FL 33027 | SOLSTICE BENEFITS, INC | $298 | — | $298 | 10.00% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 54 | $593K |
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $119K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $116K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $83K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $83K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $83K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 54 | $593K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.