| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RENAISSANCE BENEFIT ADVISORS3 | P.O. BOX 2594 WINDERMERE, FL 34786 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 12.87% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: INSURANCE & PAYROLL RESOURCE GROUP | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 327517112 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.14% |
| RENAISSANCE BENEFIT ADVISORS3 | PO BOX 2594 WINDERMERE, FL 34786 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.08% |
| RENAISSANCE BENEFIT ADVISORS3 | P.O. BOX 2594 WINDERMERE, FL 34786 | QBE INSURANCE | $465 | $0 | $465 | 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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $212K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $13K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $212K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $212K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 176 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.