| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MULLING INSURANCE AGENCY INC3 Filed as: MULLING INSURANCE AGENCY INC. | PO BOX 308 AUBURNDALE, FL 338230308 | HUMANA MEDICAL PLAN INC | $70K | — | $70K | 5.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SUITE 400S 12404 PARK CENTRAL DR DALLAS, TX 752511800 | HUMANA MEDICAL PLAN INC | — | $863 | $863 | 0.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 752511814 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $9K | $20K | 11.33% |
| MULLING INSURANCE AGENCY INC3 | 208 E PARK ST AUBURNDALE, FL 338233409 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 10.03% |
| MULLING INSURANCE AGENCY INC3 | 208 E PARK ST AUBURNDALE, FL 338233409 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 14.06% |
| MULLING INSURANCE AGENCY INC3 Filed as: MULLING INSURANCE AGENCY INC. | PO BOX 308 AUBURNDALE, FL 338230308 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 14.99% |
| ENROLLEASE3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 208142554 | HUMANA INSURANCE COMPANY | $766 | — | $766 | 3.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752511800 | HUMANA INSURANCE COMPANY | — | $44 | $44 | 0.22% |
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 | 320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN INC | 154 | $1.4M |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 308 | $263K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 308 | $263K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 308 | $283K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 308 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.