| 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 | $73K | $0 | $73K | 5.56% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA | 300 COLONIAL CENTER PARKWAY, #270 LAKE MARY, FL 32746 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.93% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 4880 W NEWBERRY RD, STE 180 GAINESVILLE, FL 32607 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $19 | $17K | 19.95% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA, LLC | 4880 W NEWBERRY RD, STE 180 GAINESVILLE, FL 32607 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $19 | $17K | 20.05% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATE ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $6K | $6K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 HEALTH CLAIM ADMIN | Contract Administrator; Claims processing Service code 12 | — | $1.3M |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 FMLA/STD ADMIN SERVICES | Contract Administrator; Claims processing Service code 12 | — | $91K |
| GUARDIAN EIN 13-5123390 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $52K |
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 HEALTH ADVOCATE SERVICES | Claims processing; Contract Administrator 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 | 1,225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,145 | $168K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,225 | $1.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,225 | $1.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,225 | $1.3M |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,225 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,225 | — |
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.
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.