| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAISON GROUP BENEFITS INC3 | 6500 NW 12TH AVE STE 119 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $137K | — | $137K | 6.25% |
| FAISON GROUP BENEFITS INC3 | PO BOX 6009 ASHLAND, VA 23005 | HARTFORD LIFE AND ACCIDENT | $35K | $12K | $47K | 20.15% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS INC. | 6468 NW 5TH WAY FORT LAUDERDALE, FL 33309 | GUARDIAN | $23K | — | $23K | 10.00% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS | 131 TREMONT ST 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | $7K | — | $7K | 3.00% |
| FAISON GROUP BENEFITS INC3 | PO BOX 6009 ASHLAND, VA 23005 | METLIFE LEGAL PLANS OF FLORIDA | $864 | — | $864 | 9.27% |
| FAISON GROUP BENEFITS INC3 | 6424 NW 5TH WAY FORT LAUDERDALE, FL 33309 | METLIFE LEGAL PLANS OF FLORIDA | $68 | — | $68 | 0.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HARTFORD FIRE INSURANCE COMPANY | $323 | — | $323 | 15.02% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 158 | $2.2M |
| Dental | GUARDIAN | 166 | $228K |
| Vision | GUARDIAN | 166 | $228K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 181 | $231K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 181 | $231K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 181 | $231K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 158 | $2.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 181 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.