| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST FLORIDA INSURERS OF TAMPA INC Filed as: FIRST FLORIDA INSURERS OF TAMPA, IN | 3710 CORPOREX DRIVE, SUITE 215 TAMPA, FL 33619 | ENVISION INSURANCE COMPANY | $25K | — | $25K | 4.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUAD CITY BANK AND TRUST EIN 42-1410409 NONE | Direct payment from the plan; Custodial (securities); Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $132K |
| RJ LEE & ASSOCIATES EIN 36-4090984 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $62K |
| TELLIGEN, INC EIN 42-0992483 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $57K |
| EMPLOYEE 2 EIN 36-2525679 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| EMPLOYEE 1 EIN 36-2525679 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| MCCARTHY CALLAS & FEENEY PC EIN 36-4184033 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC EIN 23-2182079 NONE | Other services; Direct payment from the plan Service code 49 | — | $37K |
| ROMOLO & ASSOCIATES, CPA'S, LLC EIN 84-2885766 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $24K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $8K |
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 | 778 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 202 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 778 | $6.8M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 808 | $30K |
| Prescription drug | ENVISION INSURANCE COMPANY | 254 | $612K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 809 | $337K |
| Other | ENVISION INSURANCE COMPANY | 254 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.