| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $50K | — | $50K | 3.85% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $12K | — | $12K | 3.86% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $11K | — | $11K | 3.74% |
| WILLIAM MANNIX3 | 4830 WEST KENNEDY BOULEVARD SUITE 550 TAMPA, FL 33609 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.82% |
| ROBERT FABRIZIO3 Filed as: ROBERT B FABRIZIO | 4830 WEST KENNEDY BOULEVARD SUITE 550 TAMPA, FL 33609 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.82% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $2K | — | $2K | 3.04% |
| ROBERT FABRIZIO3 | 4830 WEST KENNEDY BOULEVARD SUITE 550 TAMPA, FL 33609 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.88% |
| WILLIAM MANNIX3 | 4830 WEST KENNEDY BOULEVARD SUITE 550 TAMPA, FL 33609 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.88% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $2K | — | $2K | 3.58% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $1K | — | $1K | 4.51% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $890 | — | $890 | 3.37% |
| EXCALIBUR FINANCIAL GROUP3 | — | HM LIFE INSURANCE COMPANY | $561 | — | $561 | 10.00% |
| ROBERT FABRIZIO3 | — | MVP HEALTHCARE | $59 | — | $59 | 2.51% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | MVP HEALTHCARE | 108 | $2.1M |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $245K |
| Vision(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $250K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $245K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $245K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $245K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.