| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOM L CARR3 | 10501 6 MILE CYPRESS PKWY STE 101 FORT MYERS, FL 33966 | KAISER FOUNDATION HEALTH PLAN INC | $29K | $0 | $29K | 3.77% |
| HERNDON CARR & CO3 | SIX MILE CYPRESS PKWY, #101 FORT MYERS, FL 33966 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | $0 | $46K | 10.00% |
| HERNDON CARR & CO3 | SIX MILE CYPRESS PKWY, #101 FORT MYERS, FL 33966 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 10.00% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $1K | $16K | 6.78% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DR NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $79 | $10K | 4.04% |
| NELSON BENEFITS GROUP LLC3 | 35054 KAREN RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $688 | $858 | $2K | 0.65% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $907 | $379 | $1K | 0.54% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.43% |
| ESTATE OF DIANNA L. CHAMBERS3 | 305 HERITAGE MILL DRIVE ST. AUGUSTINE, FL 32084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $902 | $0 | $902 | 0.38% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $352 | $0 | $352 | 0.15% |
| NOEL PERRY CLARK3 | 37205 SOUTHERN GLEN WAY HILLIARD, FL 32046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336 | $0 | $336 | 0.14% |
| VB SOLUTIONS LLC3 | 7111 NE 222ND ST MELROSE, FL 32666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $0 | $259 | 0.11% |
| ROBERT BAXTER3 | 2739 VIA PIAZZA LOOP FT. MYERS, FL 33905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $0 | $179 | 0.07% |
| LISSY PEREZ-ARCHE3 | 4215 SW SANTA BARBARA PLACE CAPE CORAL, FL 33914 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $3 | $80 | 0.03% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $3 | $68 | 0.03% |
| ALICIA MARCUM3 | 1122 GRAND ST APT 505 HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.02% |
| CAREN R EPSTEIN3 | 4893 SAN PABLO CT NAPLES, FL 34109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.02% |
| LINDA SUE TAYLOR3 | 4113 SE 19TH AVE CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $4 | $21 | 0.01% |
| CATALINA MARIA CALVO3 | 13105 SW 95 AVE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.01% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.01% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | ATTN LOCKBOX 201629 IRVING, TX 75063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| JUDITH ANN ALLEY3 | 677 S PENDLETON AVE PENDLETON, IN 46064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| ARIADNE DE BASABE-MACHICHE3 | 1102 NIMROD CIRCLE CORONA, CA 92880 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| STALTARE BENEFITS INC3 | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| JESSE DUANE DAVIS3 | 2164 UNITY TRAIL NW MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| ANDREW G NIKOVITS3 | 22153 NATURES COVE CT ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| HERNDON CARR & CO3 | SIX MILE CYPRESS PKWY, #101 FORT MYERS, FL 33966 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.00% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $328 | $4K | 6.91% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DR NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $25 | $2K | 3.83% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | $142 | $432 | 0.69% |
| ESTATE OF DIANNA L. CHAMBERS3 | 305 HERITAGE MILL DRIVE ST. AUGUSTINE, FL 32084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | $0 | $314 | 0.50% |
| NELSON BENEFITS GROUP LLC3 | 35054 KAREN RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $174 | $313 | 0.50% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $0 | $267 | 0.42% |
| CATALINA MARIA CALVO3 | 13105 SW 95TH AVE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 0.20% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.12% |
| LINDA SUE TAYLOR3 | 4113 SE 19TH AVE CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.12% |
| VB SOLUTIONS LLC3 | 7111 NE 222ND ST MELROSE, FL 32666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.10% |
| JUDITH ANN ALLEY3 | 677 S PENDLETON AVE PENDLETON, IN 46064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.10% |
| ROBERT BAXTER3 | 2739 VIA PIAZZA LOOP FT. MYERS, FL 33905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.06% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $8 | $38 | 0.06% |
| NOEL PERRY CLARK3 | 37205 SOUTHERN GLEN WAY HILLIARD, FL 32046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.06% |
| JULIET A BRUNO3 | 3926 COUNTRY CLUB BLVD CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.03% |
| ALICIA MARCUM3 | 1122 GRAND ST APT 505 HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.03% |
| ANDREW G NIKOVITS3 | 22153 NATURES COVE CT ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.03% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $174 | $4K | 6.11% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DR NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $14 | $1K | 2.37% |
| ESTATE OF DIANNA L. CHAMBERS3 | 305 HERITAGE MILL DRIVE ST. AUGUSTINE, FL 32084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $566 | $0 | $566 | 0.97% |
| NELSON BENEFITS GROUP LLC3 | 35054 KAREN RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $103 | $186 | 0.32% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $46 | $145 | 0.25% |
| JUDITH ANN ALLEY3 | 677 S PENDLETON AVE PENDLETON, IN 46064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $0 | $108 | 0.18% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 0.12% |
| JULIET A BRUNO3 | 3926 COUNTY CLUB BLVD CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.11% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.08% |
| ANDREW G NIKOVITS3 | 22153 NATURES COVE CT ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.06% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.05% |
| ALICIA MARCUM3 | 1122 GRAND ST APT 505 HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.05% |
| VB SOLUTIONS LLC3 | 7111 NE 222ND ST MELROSE, FL 32666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.04% |
| ROBERT BAXTER3 | 2739 VIA PIAZZA LOOP FT. MYERS, FL 33905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| NOEL PERRY CLARK3 | 37205 SOUTHERN GLEN WAY HILLIARD, FL 32046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| JESSE DUANE DAVIS3 | 2164 UNITY TRAIL NW MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $120 | $2K | 6.16% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DR NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $13 | $1K | 4.49% |
| NELSON BENEFITS GROUP LLC3 | 35054 KAREN RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $129 | $232 | 0.80% |
| ESTATE OF DIANNA L. CHAMBERS3 | 305 HERITAGE MILL DRIVE ST. AUGUSTINE, FL 32084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 0.42% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $0 | $120 | 0.41% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $29 | $116 | 0.40% |
| LISSY PEREZ-ARCHE3 | 4215 SW SANTA BARBARA PLACE CAPE CORAL, FL 33914 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $1 | $36 | 0.12% |
| NOEL PERRY CLARK3 | 37205 SOUTHERN GLEN WAY HILLIARD, FL 32046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.11% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.10% |
| VB SOLUTIONS LLC3 | 7111 NE 222ND ST MELROSE, FL 32666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.09% |
| ROBERT BAXTER3 | 2739 VIA PIAZZA LOOP FT. MYERS, FL 33905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.08% |
| ALICIA MARCUM3 | 1122 GARND ST APT 505 HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.07% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.05% |
| CAREN R EPSTEIN3 | 4893 SAN PABLO CT NAPLES, FL 34109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.05% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.03% |
| LINDA SUE TAYLOR3 | 4113 SE 19TH AVE CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| JUDITH ANN ALLEY3 | 677 S PENDLETON AVE PENDLETON, IN 46064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 1.62% |
| ESTATE OF DIANNA L. CHAMBERS3 | 305 HERITAGE MILL DRIVE ST. AUGUSTINE, FL 32084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.85% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.32% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.16% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4800 DEERWOOD CAMPUS PARKWAY JACKSONVILLE, FL 32246 | $1.5M |
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 7 HANOVER SQUARE NEW YORK, NY 10004 | $179K |
| HERNDON CARR AND COMPANY EIN 59-2414511 INSURANCE AGENT/BROKERS | Insurance agents and brokers Service code 22 | 1501-6 MILE CYPRESS PKWY #101 FORT MYERS, FL 33966 | $160K |
| HERNDON CARR & COMPANY EIN 59-2414511 CONSULTING (GENERAL) | Consulting (general) Service code 16 | 10501-6 MILE CYPRESS PKWY #101 FORT MYERS, FL 33966 | $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 | 2,901 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 140 | $758K |
| Dental | UNIVERSITY HEALTH ALLIANCE | 1 | $2K |
| Vision | UNIVERSITY HEALTH ALLIANCE | 1 | $2K |
| Life insurance(6 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,901 | $542K |
| Short-term disability(5 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 313 | $393K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,901 | $265K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 1 | $2K |
| Other(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,901 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,901 | — |
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.