| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRIME GROUP INSURANCE SERVICES, INC3 | 5215 W LAUREL ST STE 100 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $147K | — | $147K | 4.00% |
| PRIMEGROUP INSURANCE SERVICES3 Filed as: PRIMEGROUP INS SERVICES INC 45392 | 5215 W. LAUREL ST. STE 100 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $8K | $34K | 11.80% |
| PRIME GROUP INSURANCE SERVICES, INC3 | 5215 W. LAUREL ST. STE 100 TAMPA, FL 33607 | USABLE LIFE | $5K | — | $5K | 1.83% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 3550 CAMINO DEL RIO N STE 207 SAN DIEGO, CA 921081739 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | — | $40K | 59.56% |
| PRIMEGROUP INSURANCE SERVICES3 Filed as: PRIMEGROUP INS SERVICES INC 45392 | 5215 W LAUREL ST STE 100 TAMPA, FL 336071728 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.29% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 3550 CAMINO DEL RIO N STE 207 SAN DIEGO, CA 921081739 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | — | $33K | 59.41% |
| PRIMEGROUP INSURANCE SERVICES3 Filed as: PRIMEGROUP INS SERVICES INC 45392 | 5215 W LAUREL ST STE 100 TAMPA, FL 336071728 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.28% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 3550 CAMINO DEL RIO N STE 207 SAN DIEGO, CA 921081739 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | — | $33K | 59.82% |
| PRIMEGROUP INSURANCE SERVICES3 Filed as: PRIMEGROUP INS SERVICES INC 45392 | 5215 W LAUREL ST STE 100 TAMPA, FL 336071728 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.30% |
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 | 831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 298 | $3.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 389 | $288K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 389 | $288K |
| Life insurance | USABLE LIFE | 889 | $260K |
| Short-term disability | USABLE LIFE | 889 | $260K |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 889 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.