| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | UNITED HEALTHCARE INSURANCE COMPANY | — | $62K | $62K | 3.09% |
| LEADING EDGE BENEFIT ADVISORS LLC3 Filed as: LEADING EDGE BENEFIT ADVISORS, LLC | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 6.53% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST FL 11 BOSTON, MA 021085004 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.77% |
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | COMPBENEFITS | $3K | — | $3K | 10.47% |
| LEADING EDGE BENEFIT ADVISORS LLC3 Filed as: LEADING EDGE BENEFIT ADVISORS | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.89% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 423 | $170K |
| Vision | COMPBENEFITS | 187 | $25K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 423 | $170K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $22K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 304 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.