| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $80K | $0 | $80K | 9.17% |
| KRONOS SAASHR INC3 Filed as: KRONOS, INC. | 900 CHELMSFORD STREET LOWELL, MA 01851 | STANDARD INSURANCE COMPANY | $0 | $27K | $27K | 3.11% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.28% |
| TURNER INSURANCE AGENCIES INC.3 Filed as: TURNER FLORIDA INS. AGENCY, INC. | 232 SOUTH COURTENAY PARKWAY MERRITT ISLAND, FL 32952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.55% |
| MARK WAYBRIGHT3 | 232 SOUTH COURTENAY PARKWAY MERRITT ISLAND, FL 32952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $197 | $0 | $197 | 0.09% |
| MARK WAYBRIGHT3 | 9660 ARGYLE FOREST BOULEVARD SUITE 4 JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | $0 | $72 | 0.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $113 | $0 | $113 | 15.07% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 381 | $878K |
| Vision | STANDARD INSURANCE COMPANY | 381 | $878K |
| Life insurance | STANDARD INSURANCE COMPANY | 381 | $878K |
| Long-term disability | STANDARD INSURANCE COMPANY | 381 | $878K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 399 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.