| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DR. TAMPA, FL 33625 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $54K | $62K | 5.04% |
| GIONIS & ASSOCIATES INC3 Filed as: GIONIS & ASSOCIATES INC. | 7416 MONIKA MANOR DR. TAMPA, FL 33625 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.28% |
| DOUGH AGENCY LLC3 | 707 N. FRANKLIN ST. FL 3 TAMPA, FL 33602 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 400 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $571 | — | $571 | 0.72% |
| IMG3 | 2960 NORTH MERIDAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $29 | $29 | 0.04% |
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 | 159 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.2M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 159 | $79K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 159 | $79K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 159 | $79K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 159 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.