| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURETTA INSURANCE AGENCY3 | P.O. BOX 540249 MERRITT ISLAND, FL 32954 | FLORIDA HEALTH CARE PLANS, INC. | $22K | — | $22K | 4.45% |
| LAURETTA INSURANCE AGENCY3 Filed as: LAURETTA INS AGENCY | PO BOX 520249 MERRITT ISLAND, FL 32954 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 11.86% |
| LAURETTA INSURANCE AGENCY3 | PO BOX 540249 MERRIT ISLAND, FL 32954 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 14.95% |
| LAURETTA INSURANCE AGENCY3 Filed as: LAURETTA INS AGENCY | PO BOX 540249 MERRITT ISLAND, FL 32954 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 14.99% |
| DOMINIC LAURETTA, INC.3 Filed as: DOMINIC LAURETTA INC | PO BOX 520249 MERRITT ISLAND, FL 32954 | BLUE CROSS BLUE SHIELD OF FLORIDA | — | $3K | $3K | 6.00% |
| DOMINIC LAURETTA, INC.3 Filed as: DOMINIC LAURETTA INC | P.O. BOX 540249 MERRITT ISLAND, FL 32954 | UNION SECURITY INSURANCE COMPANY | $4K | $856 | $5K | 12.13% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC. | 88 | $544K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $108K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $50K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $120K |
| Short-term disability(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $169K |
| Long-term disability(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $169K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.