| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAWAII MAINLAND ADMINISTRATORS5 | — | BRECKPOINT INC | — | $33K | $33K | 41.60% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | OF FLORDA 1101 NORTH LAKE DESTINY RD, STE 100 MAITLAND, FL 32751 | BRECKPOINT INC | — | $20K | $20K | 25.32% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE 13TH FLOOR ORLANDO, FL 32801 | BRECKPOINT INC | — | $7K | $7K | 9.40% |
| NEXT LEVEL INSURANCE AGENCY, LLC3 Filed as: NEXT IMPACT | — | BRECKPOINT INC | — | $5K | $5K | 6.83% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | 4301 VINELAND ROAD SUITE E5 ORLANDO, FL 32811 | SOLSTICE BENEFITS, INC | $6K | — | $6K | 15.00% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | OF FLORIDA 1101 NORTH LAKE DESTINY RD, STE 100 MAITLAND, FL 32751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 9.04% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE 13TH FLOOR ORLANDO, FL 32801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 5.00% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.52% |
| J DONOVAN FINANCIAL3 | 333 S GARLAD AVE 13TH FLOOR ORLANDO, FL 32801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 41.93% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | OF FLORIDA 1101 NORTH LAKE DESTINY RD, STE 100 MAITLAND, FL 32751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $841 | $0 | $841 | 4.78% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOLSTICE BENEFITS, INC | 108 | $38K |
| Vision | SOLSTICE BENEFITS, INC | 108 | $38K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $35K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $35K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $35K |
| Stop-loss / reinsurancereinsurance | BRECKPOINT INC | 0 | $79K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 54 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.