| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 | 125 S SWOOPE AVE SUITE 210 MAITLAND, FL 325715784 | HEALTH OPTIONS | $46K | — | $46K | 5.35% |
| THE ENTERPRISE TEAM, INC.3 | 125 S SWOPPE AVE SUITE 210 MAITLAND, FL 327515784 | BLUE CROSS BLUE SHIELD OF FLORIDA - BLUE OPTION | $9K | — | $9K | 5.84% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | $7K | $33K | 31.84% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL | 9432 BAYMEADOWS ROAD SUITE 260 JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 16.63% |
| THE ENTERPRISE TEAM, INC.3 | PO BOX 195579 WINTER SPRINGS, FL 32719 | FLORIDA COMBINED LIFE | $4K | — | $4K | 10.93% |
| FLORIDA BLUE3 Filed as: HOLLI DUNCAN/FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $4K | — | $4K | 10.30% |
| FLORIDA BLUE3 Filed as: JOHN STEVENS/FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $253 | — | $253 | 0.62% |
| THE ENTERPRISE TEAM, INC.3 | PO BOX 195579 WINTER SPRINGS, FL 32719 | VISION SERVICE PLAN | $1K | — | $1K | 5.86% |
| THE ENTERPRISE TEAM, INC.3 | PO BOX 195579 STE 160 WINTER SPRINGS, FL 32719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.99% |
| THE ENTERPRISE TEAM, INC.3 | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 78 | $1.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $103K |
| Vision | VISION SERVICE PLAN | 75 | $17K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $103K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $15K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
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.