| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE TWO TAMPA, FL 33609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $2K | $35K | 14.42% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE TWO TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $4K | $19K | 17.27% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 4.08% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE 2 TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $24 | $9K | 16.57% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 3.88% |
| NATIONAL BENEFITS PARTNER LLC3 | 181 E 5600 SOUTH STE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.49% |
| JAMES L HALL II3 | 7240 PURPLE SAGE DR PARK CITY, UT 84098 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $373 | — | $373 | 0.98% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE 2 TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 17.08% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 3.90% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE TWO TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 17.71% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $786 | $786 | 4.21% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE 2 TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $593 | — | $593 | 16.37% |
| M FINANCIAL HOLDING INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $147 | $147 | 4.06% |
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 | 8,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 149 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 7 carriers) | BLUE CROSS BLUE SHIELD OF HAWAII | 779 | $17.5M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 247 | $2.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 7,932 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 8,013 | $1.6M |
| Short-term disability | AETNA LIFE INSURANCE CO | 1,510 | $818K |
| Long-term disability(8 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 1,554 | $1.2M |
| Other(4 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 8,013 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,013 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.