| 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 | ELIXIR INSURANCE COMPANY | $26K | — | $26K | 4.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUAD CITY BANK AND TRUST EIN 42-1410409 NONE | Custodial (securities); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $115K |
| RJ LEE & ASSOCIATES EIN 36-4090984 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $64K |
| EMPLOYEE 1 EIN 36-2525679 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| EMPLOYEE 2 EIN 36-2525679 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| TELLIGEN, INC EIN 42-0992483 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $48K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC EIN 23-2182079 NONE | Direct payment from the plan; Other services Service code 49 | — | $42K |
| ROMOLO & ASSOCIATES, CPA'S, LLC EIN 84-2885766 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $24K |
| MCCARTHY CALLAS & FEENEY PC EIN 36-4184033 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $9K |
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 | 819 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 199 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,018 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 819 | $8.3M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 847 | $31K |
| Prescription drug | ELIXIR INSURANCE COMPANY | 260 | $552K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 874 | $349K |
| Other | ELIXIR INSURANCE COMPANY | 260 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 874 | — |
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 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.