| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2839 PACES FERRY RD SE SUITE 830 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 5.00% |
| GROOMS FINANCIAL GROUP3 Filed as: GROOMS FINANCIAL GROUP INC | 5401 WEST KENNEDY BLVD STE 100 STE 160 TAMPA, FL 33609 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 15.04% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $21 | $21 | 0.02% |
| GROOMS FINANCIAL GROUP3 | 5401 W KENNEDY BLVD STE 100 TAMPA, FL 33609 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.01% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L JOHNSON | 3850 E BASELINE RD STE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $998 | — | $998 | 2.00% |
| GROOMS FINANCIAL GROUP3 Filed as: GROOMS BENEFIT SOLUTIONS | 5401 W KENNEDY BLVD STE 100 TAMPA, FL 33609 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.87% |
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 | 114 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 147 | $50K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 82 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 114 | $117K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 114 | $117K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 114 | $117K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 101 | $376K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 114 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.