| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRIS & REYNOLDS INC3 Filed as: MORRIS AND REYNOLDS INC | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.96% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.68% |
| ROBERT HUNTER WHITTINGTON3 | 1200 EAST TAFT AVENUE SAPULPA, OK 74066 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $714 | $0 | $714 | 0.89% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS AND REYNOLDS INC | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $6K | $0 | $6K | 9.84% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS AND REYNOLDS INC | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | COMPBENEFITS COMPANY | $2K | $0 | $2K | 9.90% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 EAST TAFT AVENUE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 17.04% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS AND REYNOLDS INSURANCE INC. | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.61% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | COLONIAL LIFE AND ACCIDENT COMPANY | $197 | $0 | $197 | 1.73% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS AND REYNOLDS AND VAR AGENTS | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | COLONIAL LIFE AND ACCIDENT COMPANY | $174 | $0 | $174 | 1.53% |
| SHELBY GROUP INC3 | 2550 STAG RUN BOULEVARD CLEARWATER, FL 33765 | COLONIAL LIFE AND ACCIDENT COMPANY | $119 | $0 | $119 | 1.05% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE AND ACCIDENT COMPANY | $79 | $0 | $79 | 0.69% |
| SUSANNE PAPA3 | 4750 STONEVIEW CIRCLE OLD SMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT COMPANY | $76 | $0 | $76 | 0.67% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE AND ACCIDENT COMPANY | $56 | $3 | $59 | 0.52% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE AND ACCIDENT COMPANY | $30 | $0 | $30 | 0.26% |
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 | 339 | 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) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $1.6M |
| Dental(2 contracts, 2 carriers) | COMPBENEFITS COMPANY | 63 | $37K |
| Vision | HUMANA INSURANCE COMPANY | 173 | $60K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $80K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $1.6M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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 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.