| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 WEALTH & BENEFITS, INC3 | 4010 W BOY SCOUT BLVD STE 700 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $66K | — | $66K | 5.00% |
| KEITH ANTHONY GROESBECK3 Filed as: KEITH GROESBECK | 1501 14TH ST N SAINT PETERSBURG, FL 33704 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $6K | $12K | 10.73% |
| KARL LUNNEY | 4017 W MARTIN LUTHER TAMPA, FL 33614 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 9.20% |
| 360 WEALTH & BENEFITS, INC3 Filed as: 360 WEALTH & BENEFITS | 4017 W DR MARTIN LUTHER TAMPA, FL 33614 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.71% |
| 360 WEALTH & BENEFITS, INC3 | 13507 WESTSHIRE DR TAMPA, FL 33618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.75% |
| 360 WEALTH & BENEFITS, INC3 | 13507 WESTSHIRE DR TAMPA, FL 33618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 16.60% |
| 360 WEALTH & BENEFITS, INC3 | 13507 WESTSHIRE DR TAMPA, FL 33618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.74% |
| 360 WEALTH & BENEFITS, INC3 | 13507 WESTSHIRE DR TAMPA, FL 33618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $567 | — | $567 | 100.00% |
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 | 361 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 171 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 329 | $111K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 329 | $111K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $68K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $96K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $96K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.