| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACENTRIA OMS3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | HEALTH OPTIONS INC | $25K | — | $25K | 5.00% |
| FRP CORP DBA ACENTRIA OMS3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 5.00% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR STE 300 DESTIN, FL 32541 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 14.38% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 125 EDINBURGH SOUTH DR STE 300 CARY, NC 27511 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $660 | $213 | $873 | 19.85% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $132 | $132 | 3.00% |
| RISK STRATEGIES COMPANY3 Filed as: FOUDNATION RISK PARTNERS | 125 EDINBURGH SOUTH DR STE 300 CARY, NC 27511 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $633 | $222 | $855 | 20.26% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $127 | $127 | 3.01% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 62 | $621K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $94K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $94K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $94K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $98K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $94K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.