| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GR | OF FLORIDA 4301 VINELAND ROAD STE E5 ORLANDO, FL 328117371 | BLUE CROSS BLUE SHIELD OF FLORIDA | $43K | — | $43K | 3.71% |
| RENAISSANCE BENEFIT ADVISORS3 Filed as: RENAISSANCE BENEFIT ADVISORS, INC. | 6314 KINGSPOINTE PKWY., STE 4 ORLANDO, FL 328196531 | BLUE CROSS BLUE SHIELD OF FLORIDA | $15K | — | $15K | 1.29% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GROUP | OF FLORIDA 4301 VINELAND ROAD STE E-5 ORLANDO, FL 328117371 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $6K | — | $6K | 4.90% |
| RENAISSANCE BENEFIT ADVISORS3 Filed as: RENAISSANCE BENEFIT ADVISORS, INC. | 6314 KINGSPOINTE PKWY., STE. 4 ORLANDO, FL 328196531 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $3K | — | $3K | 2.34% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESOURCE | GROUP OF FLORIDAM INC 4301 VINELAND RD STE E5 ORLANDO, FL 328117371 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $3K | $0 | $3K | 4.06% |
| RENAISSANCE BENEFIT ADVISORS3 Filed as: RENAISSANCE BENEFIT ADVISORS, INC. | 6314 KINGSPOINTE PKWY, STE. 4 ORLANDO, FL 328196531 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 2.27% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GROUP | OF FLORIDA 4301 VINELAND RD., STE. E-5 ORLANDO, FL 328117371 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 156 | $1.2M |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 173 | $73K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 96 | $12K |
| Life insurance | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 267 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.