| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEVEL FUNDED HEALTH PARTNERS, LLC3 Filed as: LEVEL FUNDED HEALTH PARTNERS LLC | 1761 WEST HILLSBORO BOULEVARD SUITE 406 DEERFIELD BEACH, FL 33442 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | 4.99% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 1.35% |
| LEVEL FUNDED HEALTH PARTNERS, LLC3 Filed as: LEVEL FUNDED HEALTH PARTNERS LLC | 3552 PILOT CIRCLE NAPLES, FL 34120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| LEVEL FUNDED HEALTH PARTNERS, LLC3 Filed as: LEVEL FUNDED HEALTH PARTNERS LLC | 1761 WEST HILLSBORO BOULEVARD SUITE 406 DEERFIELD BEACH, FL 33442 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 6.81% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS INC. | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $339 | $2K | 4.18% |
| JESSE ARON SWARD3 Filed as: JESSE ARON SWARD AND OTHER AGENTS | 4461 NE 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $291 | $2K | 3.39% |
| MELISSA SWARD3 | 4461 NE 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 2.33% |
| CORE ADVISING GROUP INC3 Filed as: CORE ADVISING GROUP INC. | 4982 COVEY TRAIL BOCA RATON, FL 33487 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $612 | $33 | $645 | 1.41% |
| ROGER J SASS JR3 Filed as: ROGER J. SASS JR. | 5783 PARKWALK DRIVE BOYNTON BEACH, FL 33472 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $426 | $5 | $431 | 0.94% |
| TUCKER RYAN SWARD3 | 200 WILBY DRIVE CHARLOTTE, NC 28270 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $294 | $7 | $301 | 0.66% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE, SUIT 2.5 CHATANOOGA, TN 37402 | USABLE LIFE | $757 | $92 | $849 | 18.43% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $444K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $444K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $121K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $70K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.
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.