| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THAXTON GROUP, INC.3 Filed as: THAXTON BARCLAY GROUP | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $62K | — | $62K | 11.14% |
| THAXTON GROUP, INC.3 | 501 E KENNEDY BLVD TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 13.79% |
| THAXTON GROUP, INC.3 | 501 E KENNEDY BLVD TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 13.35% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | UNUM INSURANCE COMPANY | $3K | — | $3K | 12.59% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $517 | — | $517 | 2.14% |
| MARK F BARRETT LLC3 Filed as: MARK F BARRETT | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $310 | — | $310 | 1.28% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | UNUM INSURANCE COMPANY | $3K | — | $3K | 11.83% |
| MARK F BARRETT LLC3 Filed as: MARK F BARRETT | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $3K | — | $3K | 10.61% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $395 | — | $395 | 1.65% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | UNUM INSURANCE COMPANY | $1K | — | $1K | 7.82% |
| MARK F BARRETT LLC3 Filed as: MARK F BARRETT | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $1K | — | $1K | 6.19% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $225 | — | $225 | 1.24% |
| THAXTON GROUP, INC.3 | 501 E KENNEDY BLVD TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.79% |
| THAXTON GROUP, INC.3 | 501 E KENNEDY BLVD TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.78% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP INC | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | FEDERAL INSURANCE COMPANY | $486 | — | $486 | 18.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIM ADMIN | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $182K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $785 |
| CIGNA | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $0 |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 274 | $557K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 274 | $557K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 298 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 298 | $18K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 274 | $557K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 298 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.