| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 | PO BOX 195579 WINTER SPRINGS, FL 327195579 | HEALTH OPTIONS, INC. | $13K | — | $13K | 3.26% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 322024941 | HEALTH OPTIONS, INC. | $3K | — | $3K | 0.74% |
| THE ENTERPISE TEAM, INC.3 | PO BOX 195579 WINTER SPRINGS, FL 327195579 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 3.26% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 322024941 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 0.74% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM, INC | PO BOX 195579 WINTER SPRINGS, FL 327195579 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.62% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC. | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 2.41% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVENUE SUITE 300 ST. PETERSBURG, FL 337013699 | HUMANA INSURANCE COMPANY | $494 | — | $494 | 0.81% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DR. TAMPA, FL 33625 | GUARDIAN | $9K | — | $9K | 18.00% |
| MJ INSURANCE3 Filed as: SEE ATTACHED-VARIOUS AGENTS | — | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.43% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 34 | $247K |
| Dental | HUMANA INSURANCE COMPANY | 84 | $61K |
| Vision | HUMANA INSURANCE COMPANY | 84 | $61K |
| Life insurance(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 155 | $127K |
| Short-term disability | GUARDIAN | 155 | $50K |
| Prescription drug | HEALTH OPTIONS, INC. | 56 | $391K |
| Other(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 155 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.