| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | BLUE CROSS BLUE SHIELD OF FLORIDA | $49K | — | $49K | 3.50% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS CT FORT MYEARS, FL 33907 | HEALTH OPTIONS | $18K | — | $18K | 3.50% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL DBA | LEADING EDGE 7416 MONIKA MANOR DR TAMPA, FL 336255826 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $643 | $6K | 4.63% |
| LEADING EDGE BENEFIT ADVISORS LLC3 Filed as: LEADING EDGE BENEFIT ADVISORS | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075663 | UNITED OF OMAHA | $15K | $4K | $19K | 19.39% |
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075663 | HUMANA | $2K | — | $2K | 8.44% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $120K |
| Vision | HUMANA | 180 | $22K |
| Short-term disability | UNITED OF OMAHA | 203 | $98K |
| Long-term disability | UNITED OF OMAHA | 203 | $98K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.