| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $6K | $12K | 9.62% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST FL 2 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 5.87% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $298 | — | $298 | 0.41% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | 300 W PLATT ST FL 2 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.11% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $973 | — | $973 | 3.84% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | 300 W PLATT ST FL 2 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $757 | $3K | 16.20% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $564 | — | $564 | 3.51% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST FL 2 TAMPA, FL 33606 | UNITED OF OMAHA INSURANCE COMPANY | $2K | $646 | $2K | 15.14% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA INSURANCE COMPANY | $623 | — | $623 | 3.93% |
| PINEYWOODS BENEFITS AGENCY LLC3 Filed as: PINEYWOODS BENEFITS AGENCY, LLC | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | SUPERIOR VISION PLAN | $697 | — | $697 | 6.83% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY | 300 WEST PLATT STREET TAMPA, FL 33606 | SUPERIOR VISION PLAN | $323 | — | $323 | 3.17% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | 300 W PLATT ST FL 2 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $792 | $337 | $1K | 16.36% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $244 | — | $244 | 3.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $38K |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $72K |
| Vision | SUPERIOR VISION PLAN | 83 | $10K |
| Life insurance | UNITED OF OMAHA INSURANCE COMPANY | 126 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $7K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $129K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.