| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $185K | $185K | 4.89% |
| EXCALIBUR FINANCIAL GROUP3 | 303 KNIGHTS RUN #110 TAMPA, FL 33602 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.23% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND FINANCIAL/NEW ENGLAND | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $81 | $81 | 0.03% |
| WILLIAM MANNIX3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $863 | $8K | 7.36% |
| ROBERT FABRIZIO3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $863 | $8K | 7.36% |
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN #110 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.55% |
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 | 880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 802 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,519 | $300K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 609 | $112K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,519 | $438K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 609 | $138K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $26K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 802 | $3.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,519 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,519 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.