| 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. | $24K | — | $24K | 4.42% |
| LAURETTA INSURANCE AGENCY3 Filed as: LAURETTA INS AGENCY | P.O. BOX 540249 MERRITT ISLAND, FL 32954 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 11.87% |
| DOMINIC LAURETTA, INC.3 Filed as: DOMINIC LAURETTA INC | PO BOX 540249 MERRITT ISLAND, FL 32954 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 6.00% |
| DOMINIC LAURETTA, INC.3 Filed as: DOMINIC LAURETTA INC | PO BOX 540249 MERRITT ISLAND, FL 32954 | HEALTH OPTIONS, INC. | $2K | — | $2K | 6.00% |
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 | 144 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | FLORIDA HEALTH CARE PLANS, INC. | 119 | $649K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $171K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $171K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $171K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $171K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.