| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESOURCE | GROUP OF FLORIDA 4301 VINELAND RD STE E5 ORLANDO, FL 328117371 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 6.00% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESOURCE | GROUP OF FLORIDA 4301 VINELAND RD STE E5 ORLANDO, FL 328117371 | HEALTH OPTIONS, INC. | $14K | — | $14K | 6.00% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESOURCE | GROUP OF FLORIDA 4301 VINELAND RD STE E5 ORLANDO, FL 328117371 | FLORIDA COMBINED LIFE | $3K | — | $3K | 6.68% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESOURCE | GROUP OF FLORIDA, INC. 4301 VINELAND RD STE E5 ORLANDO, FL 328117371 | USABLE LIFE | $4K | — | $4K | 13.08% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF | FLORIDA 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | — | $2K | 5.65% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | OF FLORIDA 1101 NORTH LAKE DESTINY RD, STE 100 MAITLAND, FL 32751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 15.00% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.95% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE 13TH FLOOR ORLANDO, FL 32801 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$8 | — | -$8 | -0.04% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESOURCE | GROUP OF FLORIDA 1101 NORTH LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 16.92% |
| J DONOVAN FINANCIAL3 Filed as: J DONOVAN | FINANCIAL 333 S GARLAND AVE FL 13 ORLANDO, FL 32801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $97 | — | $97 | 0.74% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | OF FLORIDA 1101 NORTH LAKE DESTINY RD, STE 100 MAITLAND, FL 32751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $800 | — | $800 | 10.00% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | 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 | 36 | $532K |
| Dental | FLORIDA COMBINED LIFE | 73 | $41K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 75 | $8K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 142 | $46K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 25 | $19K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 25 | $19K |
| Prescription drug | HEALTH OPTIONS, INC. | 35 | $231K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 142 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.