| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK RICE INSURANCE LLC3 | 9455 KOGER BLVD N STE 100 ST PETERSBURG, FL 337022431 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $86K | $86K | 4.83% |
| JACK RICE INSURANCE LLC3 | 9455 KOGER BLVD N #100 ST PETERSBURG, FL 337022431 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 3.73% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA TAMPA | 4600 WEST CYPRESS, SUITE 550 TAMPA, FL 336074004 | HUMANA INSURANCE COMPANY | $748 | — | $748 | 0.73% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA TAMPA | 4600 WEST CYPRESS, SUITE 550 TAMPA, FL 336074004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 6.28% |
| JACK RICE INSURANCE LLC3 Filed as: JACK RICE INSURANCE, LLC | 13080 BLECHER RD S SUITE H LARGO, FL 33773 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIRST BENEFIT ADMINISTORS EIN 59-2982458 NONE | Claims processing Service code 12 | — | $9K |
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 | 383 | 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) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 188 | $1.8M |
| Dental | HUMANA INSURANCE COMPANY | 126 | $103K |
| Vision | HUMANA INSURANCE COMPANY | 126 | $103K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 305 | $83K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 305 | $83K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 305 | $83K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 305 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.