| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $57K | $60K | 2.98% |
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $783 | $3K | 2.99% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL | 10923 COUNTRYWAY BLVD TAMPA, FL 336262630 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.96% |
| DAILYFEATS INC.3 | 101 TREMONT STREET FLOOR 11 BOSTON, MA 021085004 | PRINCIPAL LIFE INSURANCE COMPANY | -$11 | — | -$11 | -0.01% |
| 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 | $5K | $236 | $5K | 15.70% |
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 | 334 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 366 | $107K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $2.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 366 | $107K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.