| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $81K | $81K | 4.19% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | — | $24K | 12.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.01% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 2211 LEE ROAD STE 100 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $1K | $13K | 11.04% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.55% |
| TRACY REEVES | 16273 SW 9TH ST PEMBROKE PINE, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.48% |
| MIKE DEVAUX | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $675 | — | $675 | 4.28% |
| GAVIN WILLIAMS | 8130 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $286 | — | $286 | 1.81% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.75% |
| AMERICAN INS PLUS LLC | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.56% |
| TRACY L REEVES | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.00% |
| UBA BENEFIT ADVISORS OF FLORIDA LLC | 560 HARRISON AVE PANAMA CITY, FL 32401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $823 | $55 | $878 | 6.40% |
| BARRY OLFERN AND ASSOC. INC4 | 954 TYLER ST HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $850 | — | $850 | 10.93% |
| KEYSTONE BENEFIT GROUP4 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $477 | — | $477 | 6.13% |
| STEVE BAKER4 | 153 ESTHER DR COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $202 | — | $202 | 2.60% |
| TRACY REEVES4 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $134 | — | $134 | 1.72% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 163 | $118K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $202K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $202K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $202K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $1.9M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.