| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INNOVATION3 | DBA SABAL BENEFITS, LLC 1000 E BROWARD BOULEVARD FORT LAUDERDALE, FL 33301 | RELIASTAR LIFE INSURANCE COMPANY | $47K | — | $47K | 21.47% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS, LLC | 120 18TH STREET S BIRMINGHAM, AL 35233 | LEGAL CLUB | $7K | — | $7K | 29.41% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 E BROWARD BOULEVARD FORT LAUDERDALE, FL 33301 | LEGAL CLUB | $2K | — | $2K | 9.78% |
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 | 2,130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,557 | $1.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,557 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,333 | $224K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,947 | $588K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $220K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,194 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,333 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.