| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | STARMOUNT LIFE INSURANCE COMPANY | $21K | — | $21K | 7.44% |
| MARK F BARRETT LLC3 Filed as: MARK F BARRETT | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | STARMOUNT LIFE INSURANCE COMPANY | $10K | — | $10K | 3.66% |
| SHEA BARCLAY GROUP3 | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| MARK F BARRETT LLC3 Filed as: MARK F BARRETT | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $4K | — | $4K | 15.08% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | UNUM INSURANCE COMPANY | $3K | — | $3K | 10.05% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $1K | — | $1K | 3.58% |
| MARK F BARRETT LLC3 Filed as: MARK F BARRETT | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $6K | — | $6K | 21.30% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | UNUM INSURANCE COMPANY | $4K | — | $4K | 14.20% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $1K | — | $1K | 3.95% |
| MARK F BARRETT LLC3 Filed as: MARK F BARRETT | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $6K | — | $6K | 23.74% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | UNUM INSURANCE COMPANY | $4K | — | $4K | 15.83% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $856 | — | $856 | 3.60% |
| SHEA BARCLAY GROUP3 | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| SHEA BARCLAY GROUP3 | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| SHEA BARCLAY GROUP3 | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.76% |
| SHEA BARCLAY GROUP3 | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $993 | — | $993 | 25.51% |
| SHEA BARCLAY GROUP3 | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $467 | — | $467 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 CLAIMS PROCESSING | Plan Administrator; Claims processing; Other services Service code 12 | — | $273K |
| AETNA EIN 06-6033492 CLAIMS PROCESSING | Other services; Claims processing Service code 12 | — | $119K |
| THAXTON GROUP INC DBA SHEA BARCLAY EIN 59-3740769 CONSULTING (GENERAL) | Consulting (general); Insurance agents and brokers Service code 16 | — | $97K |
| MULTIPLAN, INC EIN 13-3068979 CLAIMS PROCESSING | Plan Administrator; Claims processing; Other services Service code 12 | — | $16K |
| TELADOC EIN 04-3705970 CLAIMS PROCESSING | Other services; Plan Administrator; Claims processing Service code 12 | — | $5K |
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 | 668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 121 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 636 | $276K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 636 | $276K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 60 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 18 | $21K |
| Stop-loss / reinsurancereinsurance | SWISS RE | 640 | $889K |
| Other(9 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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.