| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A HOLLYWOOD, FL 33027 | BLUE CROSS BLUE SHIELD OF FLORIDA | $200K | $0 | $200K | 3.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE INSURANCE COMPANY | $35K | $0 | $35K | 8.43% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE INSURANCE COMPANY | $0 | $19K | $19K | 4.69% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $129 | $42K | 10.78% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.13% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $90 | $90 | 0.02% |
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 | 551 | 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) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 295 | $6.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 994 | $389K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 994 | $389K |
| Life insurance | HARTFORD LIFE INSURANCE COMPANY | 551 | $416K |
| Short-term disability | HARTFORD LIFE INSURANCE COMPANY | 551 | $416K |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 551 | $416K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 295 | $6.3M |
| Other | HARTFORD LIFE INSURANCE COMPANY | 551 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 994 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.