| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC3 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | WESTPORT INSURANCE CORP | — | $54K | $54K | 20.53% |
| CIGNA3 Filed as: CONNECTICUT GENERAL | 900 COTTAGE GROVE ROAD HARTFORD, CT 06152 | WESTPORT INSURANCE CORP | — | $39K | $39K | 14.94% |
| RENAISSANCE BENEFIT ADVISORS3 | 1111 LUCERNE TERRACE ORLANDO, FL 32806 | WESTPORT INSURANCE CORP | — | $37K | $37K | 13.96% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE CAPTIVE STRATEGIES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | WESTPORT INSURANCE CORP | — | $24K | $24K | 9.03% |
| 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 | $27K | $6K | $33K | 16.09% |
| RENAISSANCE BENEFIT ADVISORS3 Filed as: RENAISSANCE BENEFIT ADVISORS, INC. | 1111 LUCERNE TERRACE ORLANDO, FL 32806 | HCC BENEFIT GROUP | — | — | $0 | 0.00% |
| 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% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $208K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 128 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $208K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $208K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | WESTPORT INSURANCE CORP | 195 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.