| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NO NAME3 Filed as: NAME NOT LISTED ON SCHEDULE | — | UNITEDHEALTHCARE INSURANCE COMPANY | — | $70K | $70K | 6.56% |
| INSURANCE OFFICE OF AMERICA ONTARIO3 Filed as: INSURANCE OFFICE OF AMERICA INC-TAM | 1855 WEST ST. RD 434 LONGWOOD, FL 327501800 | HUMANA INSURANCE COMPANY | $3K | $1K | $4K | 5.32% |
| GARDNER, JAMES K3 | P. O. BPX 2484 PALM HARBOR, FL 346822484 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 1.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 752511800 | HUMANA INSURANCE COMPANY | — | $606 | $606 | 0.76% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $906 | $8K | 26.26% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 109 | $80K |
| Vision | HUMANA INSURANCE COMPANY | 109 | $80K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 38 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.