| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXCALIBUR FINANCIAL GROUP3 | 4010 W BOY SCOUT BLVD SUITE #700 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $259K | $259K | 5.09% |
| EXCALIBUR FINANCIAL GROUP3 | 4010 W BOY SCOUT BLVD TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $71K | $25 | $71K | 24.12% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND FINANCIAL/NEW ENGLAND S | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$54 | -$54 | -0.02% |
| ROBERT FABRIZIO3 | 4010 W. BOY SCOUT BLVD SUITE #700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.70% |
| WILLIAM MANNIX3 | 4010 W. BOYSCOUT BLVD SUITE #700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.70% |
| EXCALIBUR FINANCIAL GROUP3 | 4010 W BOY SCOUT BLVD SUITE #700 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
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 | 1,376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 553 | $5.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,112 | $294K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 700 | $156K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,112 | $450K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 700 | $156K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,112 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,112 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.