| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP, INC | 3737 EAGLEFLIGHT LANE LAKE O LAKES, FL 34639 | HEALTH OPTIONS, INC | $13K | — | $13K | 5.00% |
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP, INC | 3737 EAGLEFLIGHT LANE LAND O LAKES, FL 34639 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 5.00% |
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP, INC. | 3737 EAGLFLIGHT LANE LAND O LAKES, FL 34639 | FLORIDA COMBINED LIFE | $3K | — | $3K | 6.27% |
| FIRST STAFF BENEFITS3 | 9847 BRYCE BOULEVARD PENDLETON, IN 46064 | CONCIERGE ADMINISTRATIVE SERVICES | $3K | — | $3K | 9.87% |
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | CONCIERGE ADMINISTRATIVE SERVICES | $2K | — | $2K | 5.76% |
| MIKE MARTENS3 | 9847 BRYCE BOULEVARD PENDLETON, IN 46064 | CONCIERGE ADMINISTRATIVE SERVICES | $944 | — | $944 | 3.29% |
| KARI DUNN3 | 12230 STONE HOUSE LANE FARRAGUT, TN 37934 | CONCIERGE ADMINISTRATIVE SERVICES | $944 | — | $944 | 3.29% |
| ADVOCATE CONSULTING GROUP INC3 | 3737 EAGLEFLIGHT LANE LAND O LAKES, FL 34639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $424 | $424 | 4.99% |
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP, INC. | 3737 EAGLEFLIGHT LANE LAND OF LAKES, FL 34639 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $559 | — | $559 | 6.78% |
| ADVOCATE CONSULTING GROUP INC3 | 3737 EAGLEFLIGHT LANE LAND O LAKES, FL 34639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $255 | — | $255 | 10.00% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $128 | $128 | 5.02% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 38 | $502K |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 91 | $41K |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 78 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $11K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 38 | $502K |
| Other(3 contracts, 2 carriers) | CONCIERGE ADMINISTRATIVE SERVICES | 152 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.