| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON BOSTROM & ASSOCIATES LLC3 Filed as: THOMPSON BOSTROM & ASSOCIATES | 66 N ATLANTIC AVE SUITE 201 COCOA BEACH, FL 329314327 | HEALTH OPTIONS, INC. | $36K | $0 | $36K | 4.00% |
| THOMPSON BOSTROM & ASSOCIATES LLC3 Filed as: THOMPSON BOSTROM & ASSOC | 2425 N COURTENAY PKQY SUITE 11 MERRITT ISLAND, FL 32953 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 11.78% |
| THOMPSON BOSTROM & ASSOCIATES LLC3 | 66 NORTH ATLANTIC AVE., SUITE 201 COCA BEACH, FL 32931 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.26% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.95% |
| DONALD L BOSTROM3 | 216 NORTH BREVARD AVENUE COCA BEACH, FL 32931 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.60% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT SERVICES INC. | 235 SOUTH MAITLAND AVE SUITE 115 MAITLAND, FL 32751 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.88% |
| CHARLES BOSTROM3 Filed as: CHARLES F BOSTROM | 235 SOUTH MAITLAND AVE SUITE 115 MAITLAND, FL 32751 | TRANSAMERICA LIFE INSURANCE COMPANY | $511 | $0 | $511 | 0.62% |
| JEFFERY T MEYER3 | 204 QUAYSIDE CIR APT 101 MAITLAND, FL 32751 | TRANSAMERICA LIFE INSURANCE COMPANY | $340 | $0 | $340 | 0.41% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 163 | $907K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $82K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $82K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 563 | $165K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $82K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $82K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 563 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.