| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST FLORIDA INSURANCE BROKERS3 Filed as: FIRST FLORIDA INSURANCE BROKERS,LLC | 100 S. ASHLEY DR. SUITE 250 TAMPA, FL 33602 | RELIASTAR LIFE INSURANCE COMPANY | $38K | — | $38K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1819 MAIN STREET SUITE 510 SARASOTA, FL 34236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 12.19% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 10672 BLOOMINGTON AVE SUITE 102 RIVERVIEW, FL 33578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.24% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $11K | $409 | $11K | 21.05% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | $179 | $2K | 19.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSING, UR, | Claims processing Service code 12 | P.O. BOX 27267 MINNEAPOLIS, MN 554270267 | $187K |
| ENVISION RX EIN 90-1011712 CLAIMS PROCESSING | Claims processing Service code 12 | 2181 E. AURORA ROAD SUITE 201 TWINSBURG, OH 44087 | $20K |
| EMPLOYEE ASSISTANCEPROGRAM SARASOTA EMPLOYEE CONSULTING | Consulting (general) Service code 16 | 500 JOHN RINGLING BLVD SARASOTA, FL 34236 | $6K |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | AFLAC | 82 | $66K |
| Vision | VISION SERVICE PLAN | 134 | $11K |
| Life insurance(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 421 | $500K |
| Short-term disability(2 contracts) | AFLAC | 82 | $66K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.