| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | — | $47K | 10.85% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD SMITH AGENCY | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BOULEVARD CHICAGO, IL 60604 | FIDELITY SECURITY LIFE | $10K | — | $10K | 7.85% |
| TURNER WOOD & SMITH3 Filed as: TURNER, WOOD AND SMITH | 1515 COMMUNITY WAY GAINESVILLE, GA 30501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 9.31% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $536 | — | $536 | 0.69% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY INC | 100 BRENAU AVENUE P O DRAWER 1058 GAINESVILLE, GA 30503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.82% |
| BENETEK CORPORATION3 Filed as: BENETEK CORPORATION DBA WEB BENEFIT | 6900 TURKEY LAKE ROAD SUITE 200 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $649 | $649 | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $354 | — | $354 | 2.18% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14 | $14 | 0.09% |
| TURNER WOOD & SMITH3 Filed as: TURNER, WOOD AND SMITH | 1515 COMMUNITY WAY GAINESVILLE, GA 30501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.27% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $835 | — | $835 | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $101 | — | $101 | 0.73% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY INC | 100 BRENAU AVENUE P O DRAWER 1058 GAINESVILLE, GA 30503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.84% |
| BENETEK CORPORATION3 Filed as: BENETEK CORPORATION DBA WEB BENEFIT | 6900 TURKEY LAKE ROAD SUITE 200 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $549 | $549 | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $297 | — | $297 | 2.17% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12 | $12 | 0.09% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY INC | 100 BRENAU AVENUE PO DRAWER 1058 GAINESVILLE, GA 30503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BENETEK CORPORATION3 Filed as: BENETEK CORPORATION DBA WEB BENEFIT | 6900 TURKEY LAKE ROAD SUITE 200 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $568 | $568 | 5.00% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $557K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $77K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $14K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 260 | $128K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 260 | $128K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 260 | $128K |
| Other(4 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 260 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.