| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REFINED BENEFITS DBA SULLIVAN3 | 10672 BLOOMINGDALE AVE STE 102 RIVERVIEW, FL 33578 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 10.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30337 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | $5K | $14K | 13.85% |
| DIGITAL INSURANCE LLC3 | 1105 NIKKI VIEW DR BRANDON, FL 33511 | THE GUARDIAN LIFE INSURANCE COMPANY | $826 | $5K | $6K | 5.82% |
| CARROLL ASSOCIATES LLC4 | 26311 GUAYAQUIL DR PUNTA GORDA, FL 33983 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $72 | — | $72 | 12.20% |
| SULLIVAN GROUP LLC3 Filed as: SULLIVAN BENEFITS | 10672 BLOOMINGDALE AVE STE 102 RIVERVIEW, FL 33578 | MERITAIN HEALTH | — | $45K | $45K | — |
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 | 164 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 104 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 156 | $101K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 156 | $101K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 156 | $101K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $269K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 156 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.