| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $5K | $24K | 15.25% |
| RENAISSANCE BENEFIT ADVISORS3 Filed as: RENAISSANCE BENEFIT ADVISORS, INC. | 6314 KINGSPOINTE PKWY, STE 4 ORLANDO, FL 328196531 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MERITAIN HEALTH5 | — | STANDARD SECURITY LIFE | $95K | $53K | $147K | — |
| RENAISSANCE BENEFIT ADVISORS3 | 6314 KINGSPOINTE PKWY, STE 4 ORLANDO, FL 32819 | STANDARD SECURITY LIFE | — | — | $0 | — |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $159K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 162 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $159K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE | 207 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.