| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HUMANA MEDICAL PLAN, INC. | $61K | $0 | $61K | 4.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 3.73% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 11.63% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVENUE BOCA RATON, FL 33432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.84% |
| IRMA D PEREZ3 Filed as: IRMA D. PEREZ | 9850 NW 41ST STREET DORAL, FL 33178 | CONTINENTAL AMERICAN INSURANCE COMPANY | $548 | $0 | $548 | 2.21% |
| BRIAN GEORGE JAEGGI3 Filed as: BRIAN G. JAEFFI | 8591 DYNASTY DRIVE BOCA RATON, FL 33433 | CONTINENTAL AMERICAN INSURANCE COMPANY | $246 | $0 | $246 | 0.99% |
| ADVANTAGE FOUND, INC.3 Filed as: ADVANTAGE FROUND, INC. | 3400 WILLOW STREET LAUDERDALE LAKES, FL 33311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | $0 | $132 | 0.53% |
| JAMES SMITH3 Filed as: JAMES B. SMITH AND OTHER AGENTS | 615 ELINOR STREET CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | $0 | $80 | 0.32% |
| SVETLANA MAGILNER3 | 7400 SW 50TH TERRACE, SUITE 300 APARTMENT 710 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.20% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 140 | $1.2M |
| Dental | HUMANA INSURANCE COMPANY | 143 | $137K |
| Vision | HUMANA INSURANCE COMPANY | 143 | $137K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $102K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $102K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $102K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 140 | $1.2M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.