| 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 | $40K | $2K | $42K | 15.75% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE TWO TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $5K | $32K | 20.10% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 2.64% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE 2 TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 19.74% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 2.31% |
| NATIONAL BENEFITS PARTNER LLC3 | 181 E 5600 SOUTH STE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.35% |
| JAMES L HALL II3 | 181 E 5600 SOUTH STE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $428 | — | $428 | 1.07% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE 2 TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 15.95% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $696 | $696 | 2.06% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE TWO TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $502 | $4K | 20.17% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $431 | $431 | 2.44% |
| TODD M MEZRAH3 | 5350 W KENNEDY BLVD STE 2 TAMPA, FL 33609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $582 | $61 | $643 | 17.17% |
| M FINANCIAL HOLDING INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $83 | $83 | 2.22% |
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 | 9,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 101 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,244 | 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 | 1,539 | $20.0M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 305 | $2.3M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 8,792 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 9,089 | $2.1M |
| Short-term disability | AETNA LIFE INSURANCE CO | 1,681 | $992K |
| Long-term disability(8 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 1,818 | $1.6M |
| Other(4 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 143 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,089 | — |
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.