| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 4.99% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE, INC. | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 4.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 5.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $227K |
| GUARDIAN EIN 13-5123390 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $40K |
| SUN RISK MANAGEMENT, INC. EIN 59-2248381 BROKER-MEDICA | Insurance agents and brokers Service code 22 | — | $7K |
| ME WILSON COMPANY LLC BROKER-DENTAL | Insurance agents and brokers Service code 22 | 120 6TH STREET SOUTH ST PETERSBURG, FL 33701 | $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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 879 | $821K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 615 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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.