| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH5 | — | STANDARD SECURITY LIFE | $0 | $90K | $90K | 33.25% |
| RENAISSANCE BENEFIT ADVISORS3 | 6314 KINGSPOINTE PKWY, STE 4 ORLANDO, FL 32819 | STANDARD SECURITY LIFE | $27K | $46K | $73K | 26.85% |
| THE INS & PAYROLL RESOURCE3 Filed as: INS & PAYROLL RESOURCE GROUP OF FL | 4301 VINELAND RD. STE E 5 ORLANDO, FL 32811 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $4K | $24K | 15.03% |
| RENAISSANCE BENEFIT ADVISORS3 | 6314 KINGSPOINTE PKWY, STE. 4 ORLANDO, FL 328190000 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 17.58% |
| RENAISSANCE BENEFIT ADVISORS3 Filed as: RENAISSANCE BENEFIT ADVISORS, INC. | 6314 KINGSPOINTE PKWY, STE 4 ORLANDO, FL 328196531 | ADVANTICA | $1K | — | $1K | 9.89% |
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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 315 | $159K |
| Vision | ADVANTICA | 138 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 315 | $159K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $57K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $57K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE | 206 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.