| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANKLIN LENTZ JR3 | 32 NE 1ST STREET GAINESVILLE, FL 32601 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | $0 | $20K | 3.00% |
| FRANKLIN LENTZ JR3 | 32 NE 1ST STREET GAINESVILLE, FL 32601 | HEALTH OPTIONS, INC. | $4K | $0 | $4K | 3.00% |
| FRANKLIN LENTZ3 | 2550 SW 76TH STREET SUITE 110 GAINESVILLE, FL 32605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $1K | $12K | 23.87% |
| FRANKLIN LENTZ3 | 2550 SW 76TH STREET SUITE 110 GAINESVILLE, FL 32605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $769 | $12K | 34.92% |
| FRANKLIN LENTZ3 | 2550 SW 76TH STREET SUITE 110 GAINESVILLE, FL 32605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $493 | $7K | 34.90% |
| FRANKLIN LENTZ3 | 2550 SW 76TH STREET SUITE 110 GAINESVILLE, FL 32605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $508 | $203 | $711 | 7.62% |
| FRANKLIN LENTZ3 | 2550 SW 76TH STREET SUITE 110 GAINESVILLE, FL 32605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $479 | $49 | $528 | 25.59% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 79 | $821K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $52K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 56 | $34K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 52 | $30K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.