| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 | 521 WEST MAIN STREET PO BOX 391 LANSDALE, PA 19446 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $82K | $85K | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6769 NORTH WICKHAM ROAD SUITE 107 MELBOURNE, FL 32940 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $56K | $58K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER ORLANDO | PO BOX 622467 OVIEDO, FL 32762 | UNITEDHEALTHCARE INSURANCE COMPANY | $231 | — | $231 | 0.01% |
| STRATEGIC INSURANCE MANAGMENT LLC3 | 7777 NORTH WICKHAM ROAD SUITE 12-553 MELBOURNE, FL 32940 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$399 | -$399 | -0.01% |
| UNIVEST INSURANCE INC3 | 521 WEST MAIN STREET LANSDALE, PA 19446 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 6.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6769 NORTH WICKHAM ROAD SUITE 107 MELBOURNE, FL 32940 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 4.17% |
| EMERSON REID LLC3 | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | PRINCIPAL LIFE INSURANCE COMPANY | $742 | — | $742 | 0.26% |
| UNIVEST INSURANCE INC3 | 521 WEST MAIN STREET LANSDALE, PA 19446 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 4.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6769 NORTH WICKHAM ROAD SUITE B-107 MELBOURNE, FL 32940 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 2.66% |
| STEVE BAKER3 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $3K | — | $3K | 69.09% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 719 | $3.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $283K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 719 | $3.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $256K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $256K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $256K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.