| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $1.1M | — | $1.1M | 100.00% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $477K | — | $477K | 100.00% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $12K | — | $12K | 4.21% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $251K | — | $251K | 100.00% |
| EXCALIBUR FINANCIAL GROUP3 Filed as: EXCALIBUR FINANCIAL GROUP INC | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | — | $16K | $16K | 8.39% |
| WILLIAM MANNIX3 Filed as: WILLIAM J MANNIX | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.87% |
| ROBERT FABRIZIO3 | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.87% |
| WILLIAM MANNIX3 Filed as: WILLIAM J MANNIX | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.82% |
| ROBERT FABRIZIO3 | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.81% |
| EXCALIBUR FINANCIAL GROUP3 Filed as: EXCALIBUR FINANCIAL GROUP INC | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.69% |
| WILLIAM MANNIX3 Filed as: WILLIAM J MANNIX | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| ROBERT FABRIZIO3 | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| EXCALIBUR FINANCIAL GROUP3 Filed as: EXCALIBUR FINANCIAL GROUP INC | 4010 WEST BOY SCOUT BOULEVARD SUITE 700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.08% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $28K | — | $28K | 100.00% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $23K | — | $23K | 100.00% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $4K | — | $4K | 100.00% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | MVP HEALTHCARE | 201 | $2.1M |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $236K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $236K |
| Life insurance(3 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 558 | $267K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $236K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $236K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.