| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $53K | $0 | $53K | 10.00% |
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42K | — | $42K | 9.31% |
| JENNINGS INSURANCE SERVICES | 10524 MOSS PARK RD 204-306 ORLANDO, FL 32832 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42K | — | $42K | 9.31% |
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $0 | $53K | 15.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 7157 NARCOSSEE RD 1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $0 | $36K | 10.00% |
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | $0 | $52K | 15.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 7157 NARCOSSEE RD 1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 10.00% |
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $31K | $0 | $31K | 10.00% |
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | $0 | $29K | 9.73% |
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 15.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 7157 NARCOSSEE RD 1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.00% |
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.00% |
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.00% |
| STEVEN VERMETTE INC3 | 731 CYPRESS POINTE LANE HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.74% |
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $587 | — | $587 | 1.61% |
| KAREN PICCININI3 | 6609 THE LANDINGS DRIVE BELLE ISLE, FL 32812 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $517 | $0 | $517 | 1.41% |
| JOHN PICCININI3 | 425 W COLONIAL DRIVE STE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.39% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE CT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.10% |
| CARUSO INSURANCE BENEFITS INC3 | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA EMPLOYER SERVICES INC EIN 75-2611444 CONTRACT ADMIN | Contract Administrator Service code 13 | 8500 FREEPORT PKWY STE 400 IRVING, TX 75063 | $778K |
| APEX HEALTH LLC EIN 88-1031709 SERVICE PROVIDER | Insurance services Service code 23 | 121 KERCHEVAL AVE GROSSE POINTE, MI 48236 | $217K |
| EVOLUTIONS HEALTHCARE SYSTEMS EIN 59-3139483 SERVICE PROVIDER | Insurance services Service code 23 | 8406 MASSACHUSETTS AVE A1 NEW PORT RICHEY, FL 34653 | $172K |
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 | 2,411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,412 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.