| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39K | $10K | $49K | 29.98% |
| THE INS & PAYROLL RESOURCE3 | 1101 N. LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $2K | $13K | 10.53% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL GROUP | 1101 N LAKE DESTINY RD 100 MAITLAND, FL 32751 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| THE INS & PAYROLL RESOURCE3 | 1101 N LAKE DESTINY RD 100 MAITLAND, FL 32751 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $2K | — | $2K | 9.17% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL RESOURCE GROUP | 1101 N. LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL GROUP | 1101 N. LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| THE INS & PAYROLL RESOURCE3 | 1101 N LAKE DESTINY RD 100 MAITLAND, FL 32751 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $569 | — | $569 | 9.17% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | 1101 N LAKE DESTINY RD 100 MAITLAND, FL 32751 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $178 | — | $178 | 9.16% |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $153K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $119K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $53K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $26K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 288 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.