| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HUMANA MEDICAL PLAN, INC. | $55K | $0 | $55K | 4.56% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HUMANA INSURANCE COMPANY | $5K | $500 | $6K | 3.89% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.93% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 19.42% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVENUE BOCA RATON, FL 33432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 10.52% |
| IRMA DELGADO PEREZ3 | 328 SOUTH KETCH DRIVE SUNRISE, FL 33326 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.94% |
| ADVANTAGE FOUND, INC.3 | 3400 WILLOW STREET LAUDERDALE LAKES, FL 33311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $740 | $0 | $740 | 1.72% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH STREET BOCA RATON, FL 33434 | CONTINENTAL AMERICAN INSURANCE COMPANY | $380 | $0 | $380 | 0.88% |
| SVETLANA MAGILNER3 | 501 NE 5TH TERRACE, APARTMENT 710 FORT LAUDERDALE, FL 33301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $275 | $0 | $275 | 0.64% |
| JAMES SMITH3 Filed as: JAMES B. SMITH | 615 ELINOR STREET CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | $0 | $259 | 0.60% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 165 | $1.2M |
| Dental | HUMANA INSURANCE COMPANY | 173 | $148K |
| Vision | HUMANA INSURANCE COMPANY | 173 | $148K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $74K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $74K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $74K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 165 | $1.2M |
| Other(3 contracts, 3 carriers) | HUMANA MEDICAL PLAN, INC. | 190 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.