| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COADVANTAGE BENEFIT SOLUTIONS INC3 | 135 W CENTRAL BLVD ORLANDO, FL 32801 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $88K | $105K | 5.89% |
| ROBERT CORRIGAN3 | 500 N. WATER ST #900 CORPUS CHRISTI, TX 784010234 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.89% |
| COADVANTAGE BENEFIT SOLUTIONS INC3 | 3301 AIRPORT FREEWAY #300 BEDFORD, TN 760216035 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.16% |
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 | 401 | 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) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 401 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 401 | $1.8M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $24K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $35K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.