| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAIMEY CORPORATION3 | DONALD RAIMEY 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075663 | HEALTH OPTIONS, INC. | $62K | — | $62K | 3.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $466 | $9K | 6.90% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075663 | USABLE LIFE | $7K | — | $7K | 11.25% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $4K | — | $4K | 6.85% |
| 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 | $6K | $299 | $6K | 15.75% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 245 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $123K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $123K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $188K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $40K |
| Other | USABLE LIFE | 270 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.