| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | 7325 SOUTH FULTON AVENUE TULSA, OK 74136 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 7.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 6.14% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 10519 WHEELHOUSE CIRCLE BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 1.58% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 5.91% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 6151 LAKE OSPREY DRIVE, 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 4.96% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 1200 EAST TAFT AVENUE SAPULPA, OK 74066 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 3.82% |
| CORPORATE BENEFIT ADVISORS3 Filed as: CORPORATE BENEFIT ADVISORS, LLC | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 3.17% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 663 | $4.0M |
| Dental | UNION SECURITY INSURANCE COMPANY | 365 | $186K |
| Vision | EYEMED VISION CARE | 482 | $21K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 453 | $125K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 453 | $125K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 663 | $4.0M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 453 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.