| 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 | $56K | $0 | $56K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 1.44% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 0.36% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 7.90% |
| BENNIE INSURANCE, LLC3 | 200 BROADWAY, 3RD FLOOR NEW YORK, NY 10038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.19% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 35 PARKWOOD DRIVE, SUITE 200 HOPKINTON, MA 01748 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.19% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $2K | $250 | $2K | 14.31% |
| BENNIE INSURANCE, LLC3 | 200 BROADWAY, 3RD FLOOR NEW YORK, NY 10038 | UNUM INSURANCE COMPANY | $278 | $0 | $278 | 2.19% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $1.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $79K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $79K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $1.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
No prospect flags tripped on this filing.