| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | HEALTH OPTIONS INC | $3K | — | $3K | 5.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SERVICES DBA PREPARE | 10524 MOSS PRK RD STE 204-306 ORLANDO, FL 32832 | AMERICAN HERITAGE LIFE INSURANCE COMPNY | $5K | — | $5K | 29.63% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPNY | $4K | — | $4K | 20.21% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | BLUE CROSS BLUE SHIELD OF FLORIDA | $190 | — | $190 | 5.00% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 5 | $4K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $8K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $8K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $2K |
| Prescription drug | HEALTH OPTIONS INC | 134 | $69K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPNY | 221 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.