| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $94K | $109K | 5.20% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DR TAMPA, FL 33625 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $7K | $31K | 14.54% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| TRACY REEVES3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $371 | $2K | 7.75% |
| TRACY REEVES3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.26% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.59% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $467 | — | $467 | 2.57% |
| MIKE DEVAUX3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.12% |
| MICHAEL MCDONALD3 Filed as: MICHAEL K DEVAUX | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.01% |
| KEYSTONE BENEFIT GROUP4 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | $652 | $652 | 8.77% |
| TRACY REEVES4 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $572 | — | $572 | 7.69% |
| BARRY OLFERN AND ASSOC. INC4 | 954 TYLER ST HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $101 | — | $101 | 1.36% |
| UNIQUE BENEFITS GROUP INC4 Filed as: UNIQUE BENEFIT GROUP INC | 7 CAPOZZI CIR WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | — | $22 | 0.30% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $2.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 182 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $213K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $213K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $213K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $2.1M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.