| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEAN-SEBASTIEN GAGNON3 | 4509 BEE RIDGE RD UNIT B SARASOTA, FL 34233 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 9.83% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP | 5550 W EXECUTIVE DR STE 500 TAMPA, FL 33609 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 9.23% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP | 5550 W EXECUTIVE DR STE 500 TAMPA, FL 33609 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 8.94% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP | 5550 W EXECUTIVE DR STE 500 TAMPA, FL 33609 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 9.18% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP | 5550 W EXECUTIVE DR STE 500 TAMPA, FL 33609 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.18% |
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 | 1,312 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,050 | $529K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,280 | $132K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,280 | $211K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,280 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,280 | — |
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.