| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACENTRIA OMS3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | HEALTH OPTIONS | $20K | — | $20K | 5.02% |
| ACENTRIA OMS3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 5.00% |
| RISK STRATEGIES COMPANY3 Filed as: FOUDNATION RISH PARTNERS CORP | 4634 GULFSTARR DR DESTIN, FL 32541 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $8K | 8.91% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 26 LAKE WIRE DR LAKELAND, FL 33815 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 817 BEACHLAND BLVD VERO BEACH, FL 32963 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 23161 VENTURA BLVD STE 100 WOODLAND HILLS, CA 91364 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $668 | $279 | $947 | 12.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 6905 N WICKHAM RD STE 501 MELBOURNE, FL 32940 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $485 | — | $485 | 6.31% |
| ENROLLMENT ALLIANCE LLC5 Filed as: ENROLLMENT ALLIANCE | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $231 | $231 | 3.00% |
| FOUNDATION RISK PARTNERS CORP5 Filed as: FOUNDATION RISK PARTNERS | 23161 VENTURA BLVD STE 100 WOODLAND HILLS, CA 91364 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $605 | $276 | $881 | 12.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 6905 N WICKHAM RD STE 501 MELBOURNE, FL 32940 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $481 | — | $481 | 6.64% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $217 | $217 | 3.00% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 65 | $505K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 186 | $85K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 186 | $85K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 186 | $85K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 186 | $92K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 186 | $85K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.