| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT SAMUEL PHILLIPS3 | 1 PURLIEU PL STE 240 WINTER PARK, FL 32792 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 7.52% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GRP FL | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 2.65% |
| ROBERT SAMUEL PHILLIPS3 | 1 PURLIEU PL STE 240 WINTER PARK, FL 32792 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 7.37% |
| THE INS & PAYROLL RESOURCE3 | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 2.51% |
| ROBERT SAMUEL PHILLIPS3 | 1 PURLIEU PL STE 240 WINTER PARK, FL 32792 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.71% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GRP | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $593 | — | $593 | 3.29% |
| ROBERT SAMUEL PHILLIPS3 | 1 PURLIEU PL STE 240 WINTER PARK, FL 32792 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.74% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESRCE GRP | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $441 | — | $441 | 4.26% |
| ROBERT SAMUEL PHILLIPS3 | 1 PURLIEU PL STE 240 WINTER PARK, FL 32792 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $995 | — | $995 | 10.59% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GRP | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $414 | — | $414 | 4.41% |
| ROBERT SAMUEL PHILLIPS3 | 1 PURLIEU PL STE 240 WINTER PARK, FL 32792 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $691 | — | $691 | 10.71% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESRCE GRP | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $277 | — | $277 | 4.29% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 91 | $350K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 79 | $55K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 79 | $55K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $6K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 91 | $350K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
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.