| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH A SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239K | $30K | $268K | 11.25% |
| ELIZABETH A SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $6K | $30K | 6.25% |
| ELIZABETH A SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $24K | 6.25% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE RD, STE 300 ORLANDO, FL 32819 | EYEMED VISION CARE | $41K | — | $41K | 10.80% |
| ELIZABETH A SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $5K | $60K | 16.25% |
| ELIZABETH ATKINSON SCHENK3 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | — | $35K | 12.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 3.00% |
| ELIZABETH ATKINSON SCHENK3 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | — | $35K | 12.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 3.00% |
| ELIZABETH A SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 1.25% |
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 | 4,963 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 5,758 | $377K |
| Life insurance(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,873 | $2.1M |
| Short-term disability(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,859 | $953K |
| Long-term disability(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,219 | $3.6M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 4,963 | $360K |
| Other(9 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,094 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,758 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.