| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 | PO BOX 195579 WINTER SRPINGS, FL 32719 | HEALTH OPTIONS, INC. | $15K | — | $15K | 4.00% |
| THE ENTERPISE TEAM, INC.3 | PO BOX 195579 WINTER SRPINGS, FL 32719 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 4.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DR. TAMPA, FL 33625 | GUARDIAN | $15K | $3K | $18K | 21.92% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE SUITE 300 ST. PETERSBURG, FL 337013699 | HUMANA INSURANCE COMPANY | $3K | $810 | $4K | 8.42% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE SUITE 300 ST. PETERSBURG, FL 337013699 | HUMANA INSURANCE COMPANY | — | $75 | $75 | 0.15% |
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 | 30 | $223K |
| Dental | HUMANA INSURANCE COMPANY | 84 | $51K |
| Vision | HUMANA INSURANCE COMPANY | 84 | $51K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 155 | $132K |
| Short-term disability | GUARDIAN | 155 | $81K |
| Prescription drug | HEALTH OPTIONS, INC. | 58 | $385K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 155 | $132K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.