| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINEYWOODS BENEFITS AGENCY LLC3 Filed as: PINEYWOODS BENEFITS AGENCY, LLC | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.58% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.71% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PINEYWOODS BENEFITS AGENCY LLC3 Filed as: PINEYWOODS BENEFITS AGENCY, LLC | 2023 W PLATT ST SUITE 220 TAMPA, FL 33606 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $916 | — | $916 | 10.00% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $364 | $364 | 5.00% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $905 | — | $905 | 14.99% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $478 | — | $478 | 14.98% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $159 | $159 | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS PROCESSING | Insurance services; Claims processing Service code 12 | — | $45K |
| PINEYWOODS BENEFITS AGENCY, LLC BROKER | Insurance agents and brokers Service code 22 | 2023 W PLATT ST STE 224 TAMPA, FL 33606 | $16K |
| CIGNA | Float revenue; Other services; Non-monetary compensation; Participant communication; Named fiduciary; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $0 |
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 |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $56K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 79 | $9K |
| Life insurance | UNITED OF OMAHA INSURANCE COMPANY | 116 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $6K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $189K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.