| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $35K | $20K | $55K | 7.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $14K | — | $14K | 1.84% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE - FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $2K | $4K | 6.93% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 6.68% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $998 | — | $998 | 4.48% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $888 | — | $888 | 9.99% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $710 | — | $710 | 7.98% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | TELADOC HEALTH, INC. | $2K | — | $2K | 18.81% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC HEALTH, INC. | 142 | $9K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 125 | $55K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 125 | $55K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 40 | $22K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 40 | $22K |
| Other(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 221 | $769K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.