| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVINSURE INC3 | 9700 INTERNATIONAL DR ORLANDO, FL 328198100 | HUMANA | $20K | — | $20K | 4.92% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AMERICAN HERITAGE LIFE INSURANCE COMPNY | $5K | — | $5K | 16.01% |
| PROVINSURE INC3 Filed as: PROVINSURE INC. | 4000 DESTINATION PARKWAY ORLANDO, FL 328198106 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.07% |
| PROVINSURE INC3 Filed as: PROVINSURE INC. | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 12.35% |
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 | 56 | 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) | 57 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 85 | $27K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 85 | $27K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 56 | $12K |
| Stop-loss / reinsurancereinsurance | HUMANA | 37 | $417K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPNY | 56 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.