| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MINUTE MEN HR INSURANCE AGENCY LLC3 | 3740 CARNEGIE AVE FL2 CLEVELAND, OH 44116 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 7.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.10% |
| NORTHEAST UNDERWRITERS INC Filed as: NORTHEAST UNDERWRITERS | 4790 1ST ST N ST PETERSBURG, FL 33703 | ADVANTICA INSURANCE COMPANY | $502 | — | $502 | 5.47% |
| GIS NATIONAL3 Filed as: GIS BENEFITS OF FLORIDA | 9500 KOGER BLVD SUITE 200 ST PETERSBURG, FL 33702 | ADVANTICA INSURANCE COMPANY | $502 | — | $502 | 5.47% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN | PO BOX 9039 AUSTIN, TX 78766 | ADVANTICA INSURANCE COMPANY | $466 | — | $466 | 5.07% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 135 | $39K |
| Dental | AMERITAS | 220 | $38K |
| Vision | ADVANTICA INSURANCE COMPANY | 191 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $16K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $16K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $16K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 11 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
No prospect flags tripped on this filing.