| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55K | — | $55K | 8.26% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55K | — | $55K | 8.17% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9840 INTERNATIONAL DRIVE ORLANDO, FL 32819 | DELTA DENTAL | $61K | — | $61K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9840 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | — | $64K | 15.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK RD #204-30 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | — | $43K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9840 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | — | $55K | 15.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK ROAD #204-30 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9840 INTERNATIONAL DRIVE ORLANDO, FL 32819 | UNION SECURITY INSURANCE COMPANY | $26K | — | $26K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK RD #204-30 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9840 INTERNATIONAL DRIVE ORLANDO, FL 32819 | DELTA DENTAL | $13K | — | $13K | 10.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.58% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $22 | $2K | 1.56% |
| JOHN PICCININI3 Filed as: JOHN PICCININ | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $411 | $1 | $412 | 0.38% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE, INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 0.21% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE CT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.12% |
| CARUSO INSURANCE BENEFITS INC3 | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| R K MATHEWS INC3 | 853 GREENS AVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 1618 FOX GLEN CT WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN LIFE INSURANCE COMPANY | $11K | — | $11K | 13.00% |
| PROVINSURE INC3 Filed as: PROVINSURE, INC. | 9840 INTERNATIONAL DRIVE ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 13.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH FIRST ADMINISTRATIVE PLANS, EIN 59-3315064 CONTRACT ADMINIS | Contract Administrator Service code 13 | — | $1.3M |
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 | 2,789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 4,347 | $116K |
| Dental(2 contracts) | DELTA DENTAL | 5,472 | $748K |
| Vision | UNION SECURITY INSURANCE COMPANY | 1,871 | $256K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,140 | $565K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,004 | $669K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,004 | $886K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,180 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,472 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.