| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EAGER1 MARKETING INC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $52K | — | $52K | 6.00% |
| EAGER-1 MARKETING INC3 Filed as: EAGER 1 MARKETING, INC. | 2935 SE 58TH AVE OCALA, FL 34480 | GUARDIAN | $7K | — | $7K | 5.67% |
| ROGERS BENEFIT GROUP INC3 | 9905 MIRA MESA BLVD STE 160 SAN DIEGO, CA 92131 | GUARDIAN | $6K | — | $6K | 5.00% |
| EAGER1 MARKETING INC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HEALTH OPTIONS, INC. | $431 | — | $431 | 5.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHIEST YOU EIN 30-0947669 INSURANCE SERVICES | Insurance services Service code 23 | — | $20K |
| EAGER-1 MARKETING BROKER | Insurance agents and brokers Service code 22 | 2935 SE 58TH AVENUE OCALA, FL 34480 | $3K |
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 | 239 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 140 | $878K |
| Dental | GUARDIAN | 239 | $119K |
| Vision | GUARDIAN | 239 | $119K |
| Life insurance | GUARDIAN | 239 | $119K |
| Prescription drug | HEALTH OPTIONS, INC. | 1 | $7K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 239 | $990K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.