| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINEYWOODS BENEFITS AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 12.68% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$25 | — | -$25 | -0.01% |
| PINEYWOODS BENEFITS AGENCY LLC3 | 2023 W. PLATT STREET STE 224 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 12.13% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | C/O M,E, WILSON AND CO INC PO BOX 373 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.85% |
| PINEWOODS BENEFITS AGENCY3 | 2023 W. PLATT STREET 224 TAMPA, FL 33606 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.67% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.16% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 N 19TH STREET, SUITE 150 TAMPA, FL 33605 | THE GUARDIAN LIFE INSURANCE COMPANY | $424 | — | $424 | 0.61% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 193 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $231K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 99 | $69K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 99 | $69K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $160K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $160K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $160K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
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.