| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFIT SOLUTIONS | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | MADISON NATIONAL LIFE INSURANCE COMPANY | $41K | — | $41K | 25.92% |
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 7.49% |
| JOHN M NEWMAN, JR3 | 35 PONTE VEDRA COLONY CIRCLE PONTE VEDRA BEACH, FL 32082 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 7.28% |
| RON WAYNE MOORE3 Filed as: RON W MOORE JUNIOR | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 12.15% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFIT SOLUTIONS | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS OF FLORIDA INC | 9500 KOGER BOULEVARD SUITE 200 SAINT PETERSBURG, FL 33702 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $910 | — | $910 | 5.00% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 399 | $150K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 199 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 399 | $150K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 187 | $160K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 187 | $160K |
| Other(2 contracts, 2 carriers) | MADISON NATIONAL LIFE INSURANCE COMPANY | 399 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.