| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCURATE INSURANCE SOLUTIONS INC3 | 16019 N FLORIDA AVE LUTZ, FL 27421 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $120K | $120K | 6.34% |
| ACCURATE INSURANCE SOLUTIONS INC3 | 16019 N FLORIDA AVE LUTZ, FL 33549 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.91% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS LLC | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | — | $987 | $987 | 0.92% |
| ACCURATE INSURANCE SOLUTIONS INC3 | 16019 N FLORIDA AVE LUTZ, FL 33549 | STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 17.32% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS LLC | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 2.75% |
| ACCURATE INSURANCE SOLUTIONS INC3 | 16019 N FLORIDA AVE LUTZ, FL 33549 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 11.84% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS LLC | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.75% |
| ACCURATE INSURANCE SOLUTIONS INC3 | 16019 N FLORIDA AVE LUTZ, FL 33549 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 11.98% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS LLC | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.75% |
| ACCURATE INSURANCE SOLUTIONS INC3 | 16019 N FLORIDA AVE LUTZ, FL 33549 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.42% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS LLC | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | — | $237 | $237 | 0.92% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $1.9M |
| Dental | STANDARD INSURANCE COMPANY | 190 | $108K |
| Vision | STANDARD INSURANCE COMPANY | 169 | $26K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 214 | $86K |
| Short-term disability | STANDARD INSURANCE COMPANY | 217 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 217 | $52K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.