| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP, INC | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | — | $17K | 6.00% |
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP, INC | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 6.00% |
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| ADVOCATE CONSULTING GROUP INC3 | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $997 | $7K | 17.52% |
| ADVOCATE CONSULTING GROUP INC3 | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $820 | $6K | 17.63% |
| ADVOCATE CONSULTING GROUP INC3 | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $609 | $4K | 17.64% |
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | EYEMED VISION CARE | $1K | — | $1K | 9.82% |
| ADVOCATE CONSULTING GROUP INC3 | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $772 | $175 | $947 | 12.27% |
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | EYEMED VISION CARE | $301 | — | $301 | 10.63% |
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | EYEMED VISION CARE | $269 | — | $269 | 10.62% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 23 | $491K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $94K |
| Vision(3 contracts) | EYEMED VISION CARE | 133 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $31K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.