| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $116K | $26K | $142K | 6.12% |
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN 3110 TAMPA, FL 33602 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $128 | $5K | 2.28% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND FINANCIAL/ SECURITIES | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.92% |
| EXCALIBUR FINANCIAL GROUP | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 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 | 745 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 755 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 745 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $235K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $235K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $20K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 745 | $2.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.