| 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 | $45K | $2K | $47K | 15.75% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE TWO TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $6K | $32K | 21.07% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 2.46% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE 2 TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $452 | $9K | 16.48% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 2.02% |
| NATIONAL BENEFITS PARTNER LLC3 | 181 E 5600 SOUTH STE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.40% |
| JAMES L HALL II3 | 181 E 5600 SOUTH STE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $401 | — | $401 | 1.04% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE 2 TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 15.95% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $733 | $733 | 1.99% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE TWO TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 15.90% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $319 | $319 | 1.99% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE 2 TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $612 | $74 | $686 | 17.53% |
| M FINANCIAL HOLDING INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $82 | $82 | 2.10% |
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 | 7,842 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 72 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,948 | 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 | 1,468 | $20.4M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 279 | $2.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 8,720 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 8,815 | $1.9M |
| Short-term disability | AETNA LIFE INSURANCE CO | 1,642 | $690K |
| Long-term disability(8 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 1,782 | $1.9M |
| Other(4 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 154 | $613K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,815 | — |
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.