| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $50K | — | $50K | 3.19% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $23K | — | $23K | 3.03% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $10K | — | $10K | 3.02% |
| WILLIAM MANNIX3 Filed as: WILLIAM J MANNIX | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 4.89% |
| ROBERT FABRIZIO3 | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 4.89% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $8K | — | $8K | 2.83% |
| ROBERT FABRIZIO3 | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.74% |
| WILLIAM MANNIX3 Filed as: WILLIAM J MANNIX | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.74% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $341 | — | $341 | 1.98% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $452 | — | $452 | 2.71% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $104 | — | $104 | 1.87% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $191 | — | $191 | 4.37% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | MVP HEALTHCARE | 171 | $2.9M |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $363K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $363K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $363K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.