| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 | PO BOX 195579 WINTER SPRINGS, FL 327195579 | BLUE CROSS BLUE SHIELD OF FLORIDA | $43K | — | $43K | 5.00% |
| THE ENTERPRISE TEAM, INC.3 | PO BOX 195579 WINTER SPRINGS, FL 327195579 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 5.00% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | PO BOX 195579 WINTER SPRINGS, FL 347316087 | MANHATTAN LIFE INSURANCE | $5K | — | $5K | 9.96% |
| RICHARD P ERICKSON3 Filed as: RICHARD ERICKSON | 5540 E HARBOR DR FRUITLAND PK, FL 347316087 | MANHATTAN LIFE INSURANCE | $551 | — | $551 | 1.16% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FLORIDA, | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $6K | 12.09% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | PO BOX 195579 WINTER SPRINGS, FL 327195579 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $17 | $5K | 10.66% |
| THE ENTERPRISE TEAM, INC.3 | PO BOX 195579 WINTER SPRINGS, FL 32719 | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.15% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 109 | $962K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $47K |
| Vision | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY | 173 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $46K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $46K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 109 | $962K |
| Other(2 contracts, 2 carriers) | MANHATTAN LIFE INSURANCE | 175 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.