| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTARR DR. DESTIN, FL 32541 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | — | $37K | 10.00% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC. | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.09% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 4634 GULFSTARR DR. DESTIN, FL 32541 | SOLSTICE HEALTHPLANS OF ARIZONA, INC. | $32K | — | $32K | 10.00% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVE 3A BAY ST. LOUIS, MS 39520 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | — | $23K | 36.36% |
| ACENTRIA INSURANCE3 Filed as: ACENTRIA, INC. | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.67% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.87% |
| FOUNDATION RISK PARTNERS CORP4 | 4634 GULFSTARR DR DESTIN, FL 32541 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $4K | — | $4K | 10.00% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOCIATES, INC. | 954 TYLER ST. HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $2K | — | $2K | 7.00% |
| THOMPSON SUCCESS PARTNERS, INC.4 Filed as: THOMPSON SUCCESS PARTNERS INC. | 2776 GEARY ST MATLACHA, FL 33993 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $422 | — | $422 | 1.20% |
| NEW BIZ LLC4 | 4102 COLUMNS DR SE MARIETTA, GA 30067 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $141 | — | $141 | 0.40% |
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 | 940 | 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) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOLSTICE HEALTHPLANS OF ARIZONA, INC. | 1,243 | $319K |
| Vision | SOLSTICE HEALTHPLANS OF ARIZONA, INC. | 1,243 | $319K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 721 | $369K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 721 | $369K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 721 | $369K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 721 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,243 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.