| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 NORTH STARCREST DRIVE CLEARWATER, FL 33765 | HEALTH OPTIONS, INC. | $42K | — | $42K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 485 NORTH KELLER ROAD SUITE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $91K | $0 | $91K | 13.46% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | $0 | $42K | 6.22% |
| BENTEK CORPORATION5 Filed as: BENTEK, LLC | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $22K | $27K | 3.97% |
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 | 1,526 | 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) | 1,526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 222 | $1.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,526 | $679K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,526 | $679K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,526 | $679K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,526 | $679K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,526 | $679K |
| Prescription drug | HEALTH OPTIONS, INC. | 222 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,526 | $679K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,526 | — |
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."
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.