| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203383 DALLAS, TX 75320 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | $4K | $29K | 10.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 87.16% |
| STRATEGIC BENEFITS3 Filed as: THE STRATEGIC GROUP, INC. | 16029 NORTH FLORIDA AVENUE LUTZ, FL 33549 | COLONIAL LIFE & ACCIDENT INS CO | $168 | $0 | $168 | 3.47% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INS CO | $129 | $0 | $129 | 2.66% |
| RONALD SADOFSKY3 | 13553 LAKE DRIVE HUDSON, FL 34669 | COLONIAL LIFE & ACCIDENT INS CO | $60 | $0 | $60 | 1.24% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 4921 PENNSBURY AVENUE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INS CO | $52 | $0 | $52 | 1.07% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS, INC. | 525 CAPRI BOULEVARD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INS CO | $22 | $0 | $22 | 0.45% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INS CO | $14 | $0 | $14 | 0.29% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 562 | $280K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 544 | $29K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 562 | $280K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 562 | $280K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 562 | $280K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 562 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.