| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR, #200 HUNT VALLEY, MD 21030 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 1.76% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA | 300 COLONIAL CENTER PARKWAY, #270 LAKE MARY, FL 32746 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA, LLC | 4880 W NEWBERRY ROAD, STE 180 GAINESVILLE, FL 32607 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $17 | $18K | 22.84% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA, LLC | 4880 W NEWBERRY ROAD, STE 180 GAINESVILLE, FL 32607 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $17 | $15K | 20.43% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | ACE AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 HEALTH CLAIM ADMIN | Contract Administrator; Claims processing Service code 12 | — | $1.1M |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 FMLA/STD ADMIN SERVICES | Claims processing; Contract Administrator Service code 12 | — | $73K |
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 HEALTH ADVOCATE SERVICES | Contract Administrator; Claims processing Service code 12 | — | $15K |
| ASSUREDPARTNERS OF FL EIN 30-0720060 BROKER COMMISSION | Insurance agents and brokers Service code 22 | — | $0 |
| COMPSYCH EIN 35-3739783 TPA | Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 1,189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,079 | $189K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,079 | $189K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,189 | $1.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,189 | $1.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,189 | $1.0M |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,189 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,189 | — |
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.