| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REAMES EMPLOYEE BEN SOLUTIONS INC3 Filed as: REAMES EMPLOYEE BENEFIT SOLUTIONS | 1540 CORNERSTONE BOULEVARD SUITE 200 DAYTONA BEACH, FL 32117 | FLORIDA HEALTH CARE PLAN, INC. | $49K | — | $49K | 2.46% |
| REAMES EMPLOYEE BEN SOLUTIONS INC3 Filed as: REAMES EMPLOYEE BENEFIT SOLUTIONS | 1540 CORNERSTONE BOULEVARD SUITE 200 DAYTONA BEACH, FL 32117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $10K | $33K | 18.83% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL | 149 INTERNATIONAL SPEEDWAY BLVD DAYTONA BEACH, FL 33626 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.57% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL | 10923 COUNTRYWAL BOULEVARD TAMPA, FL 33626 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.43% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FLORIDA HEALTH CARE PLAN, INC. | 365 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $141K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $174K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $174K |
| Prescription drug | FLORIDA HEALTH CARE PLAN, INC. | 365 | $2.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.