| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SERVICES DBA PREPARE | 10524 MOSS PARK RD #206-306 ORLANDO, FL 38232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 15.13% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 10.93% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 0.12% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 8.67% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 17.42% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $46K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $46K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 198 | $27K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 138 | $285K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 198 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.