| 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 | $13K | — | $13K | 6.00% |
| ADVOCATE CONSULTING GROUP INC3 | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | HEALTH OPTIONS, INC | $2K | — | $2K | 6.00% |
| ADVOCATE CONSULTING GROUP INC3 | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $269 | $4K | 15.97% |
| ADVOCATE CONSULTING GROUP INC3 | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $195 | $3K | 16.13% |
| ADVOCATE CONSULTING GROUP INC3 | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $157 | $2K | 16.05% |
| ADVOCATE CONSULTING GROUP-LUTZ, FL3 | 3737 EAGLEFLIGHT LANE LANK O LAKES, FL 34639 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $412 | — | $412 | 5.55% |
| ADVOCATE CONSULTING GROUP-LUTZ, FL3 | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $390 | — | $390 | 5.25% |
| ADVOCATE CONSULTING GROUP INC3 | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $557 | $54 | $611 | 10.96% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 17 | $247K |
| Dental | BLUE CROSS BLUE SHIELD OF FLORIDA | 17 | $217K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 76 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $17K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 17 | $217K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.