| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TROPICAL BENEFITS3 | 2118 LARISSA CT TRINITY, FL 34655 | BIND BENEFIS, INC DBA SUREST | $0 | $30K | $30K | 5.26% |
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOCIATES INS, INC | 9067 BELCHER RD N PINELLAS PARK, FL 33782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.45% |
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOCIATES INS, INC | 9067 BELCHER RD N PINELLAS, FL 33782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.52% |
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOCIATES INS, INC | 9067 BELCHER RD N PINELLAS PARK, FL 33782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.69% |
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOCIATES INS, INC | 9067 BELCHER RD N PINELLAS PARK, FL 33782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.34% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENT LLC DBA CANOPYNATION | 3725 CHAMPION HILLS DR SUITE 3300 MEMPHIS, TN 38125 | GUARDIAN | $12K | $741 | $13K | 17.04% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BIND BENEFIS, INC DBA SUREST | 82 | $567K |
| Dental | GUARDIAN | 147 | $77K |
| Vision | GUARDIAN | 147 | $77K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $154K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $154K |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS AMERICA INS. CORP. | 66 | $170K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.