| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: PRIME GROUP INUSRANCE SERVICES | 5215 W LAUREL STREET SUITE 100 TAMPA, FL 33607 | HEALTH OPTIONS INC | $18K | — | $18K | 6.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: PRIME GROUP INUSRANCE SERVICES | 5215 W LAUREL STREET SUITE 100 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 6.00% |
| PRIMEGROUP INSURANCE SERVICES3 | 5216 W LAUREL STREET SUITE 100 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 W LAUREL STREET SUITE 100 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 11.05% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 W LAUREL STREET SUITE 100 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $736 | — | $736 | 10.00% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 W LAUREL STREET SUITE 100 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $396 | — | $396 | 13.41% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 W LAUREL STREET SUITE 100 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $275 | — | $275 | 14.97% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 43 | $403K |
| Dental | STANDARD INSURANCE COMPANY | 63 | $37K |
| Vision | STANDARD INSURANCE COMPANY | 59 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 172 | $10K |
| Short-term disability | STANDARD INSURANCE COMPANY | 9 | $3K |
| Long-term disability | STANDARD INSURANCE COMPANY | 10 | $2K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 24 | $103K |
| Other | STANDARD INSURANCE COMPANY | 172 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.