| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT DOCTOR, LLC Filed as: THE BENEFIT DOCTOR | 2030 W BASELINE ROAD STE 182-7222 PHOENIX, AZ 85041 | SPECTRUM UNDERWRITING MANAGERS, A DIV OF COMPANION LIFE INSURANCE CO | $113K | — | $113K | 13.73% |
| THE BENEFIT DOCTOR, LLC Filed as: THE BENEFIT DOCTOR | 2030 W BASELINE ROAD SUITE 182-7222 PHOENIX, AZ 85041 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 9.28% |
| ANTHONY S ALMODOVAR Filed as: ANTHONY PACHECO | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.53% |
| THE BENEFIT DOCTOR, LLC | 2030 W BASELINE RD SUITE 182-7222 PHOENIX, AZ 85041 | ASSURITY LIFE INSURANCE COMPANY | $20K | — | $20K | 71.88% |
| HRXTENSION LLC3 | 15120 COUNTY LINE RD STE 104 SPRING HILL, FL 34610 | USABLE LIFE | $2K | — | $2K | 6.11% |
| THE BENEFIT DOCTOR, LLC3 | 2030 W BASELINE ROAD SUITE 182 PHOENIX, AZ 85041 | USABLE LIFE | $1K | $0 | $1K | 4.14% |
| THE BENEFIT DOCTOR, LLC3 | 2030 W BASELINE ROAD SUITE 182 PHOENIX, AZ 85041 | USABLE LIFE | $1K | — | $1K | 4.14% |
| HRXTENSION LLC3 | 15120 COUNTY LINE RD STE 104 SPRING HILL, FL 34610 | USABLE LIFE | $2K | — | $2K | 18.32% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $581 | — | $581 | 5.47% |
| THE BENEFIT DOCTOR, LLC3 | 2030 W BASELINE ROAD SUITE 182 PHOENIX, AZ 85041 | USABLE LIFE | $534 | — | $534 | 5.03% |
| HRXTENSION LLC3 | 15120 COUNTY LINE RD STE 104 SPRING HILL, FL 34610 | USABLE LIFE | $805 | — | $805 | 101.26% |
| THE BENEFIT DOCTOR, LLC3 | 2030 W BASELINE ROAD SUITE 182 PHOENIX, AZ 85041 | USABLE LIFE | $42 | — | $42 | 5.28% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SPECTRUM UNDERWRITING MANAGERS, A DIV OF COMPANION LIFE INSURANCE CO | 85 | $822K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 130 | $53K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 130 | $53K |
| Life insurance(3 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 174 | $66K |
| Long-term disability | USABLE LIFE | 151 | $25K |
| Prescription drug | SPECTRUM UNDERWRITING MANAGERS, A DIV OF COMPANION LIFE INSURANCE CO | 85 | $822K |
| Other(2 contracts) | USABLE LIFE | 151 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.