| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 WEALTH & BENEFITS, INC3 | 4017 W MARTIN LUTHER KING JR BLVD STE 203 TAMPA, FL 33614 | CIGNA | $0 | $45K | $45K | 4.70% |
| KARL LUNNEY3 | 4017 W MARTIN LUTHER KING JR STE 203 TAMPA, FL 33614 | PRINCIPAL LIFE INSURANCE CARRIER | $5K | $0 | $5K | 4.95% |
| KEITH ANTHONY GROESBECK3 Filed as: KEITH ANTHONY GORESBECK | 4017 W MARTIN LUTHER KING JR STE 203 TAMPA, FL 33614 | PRINCIPAL LIFE INSURANCE CARRIER | $5K | $0 | $5K | 4.95% |
| 360 WEALTH & BENEFITS, INC3 | 4017 W MARTIN LUTHER KING JR STE 203 TAMPA, FL 33614 | PRINCIPAL LIFE INSURANCE CARRIER | $0 | $4K | $4K | 3.82% |
| 360 WEALTH & BENEFITS, INC3 | 13507 WESTSHIRE DR TAMPA, FL 33618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 13.18% |
| 360 WEALTH & BENEFITS, INC3 | 13507 WESTSHIRE DR TAMPA, FL 33618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 19.05% |
| 360 WEALTH & BENEFITS, INC3 | 13507 WESTSHIRE DR TAMPA, FL 33618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 19.89% |
| 360 WEALTH & BENEFITS, INC3 | 13507 WESTSHIRE DR TAMPA, FL 33618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $378 | — | $378 | 11.21% |
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 | 286 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 186 | $968K |
| Dental(2 contracts, 2 carriers) | CIGNA | 282 | $1.1M |
| Vision(2 contracts, 2 carriers) | CIGNA | 282 | $1.1M |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $23K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 57 | $40K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 57 | $40K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.