| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 Filed as: LASSITER-WARE INC | 1317 CITIZENS BLVD LEESBURG, FL 34748 | UNITED HEALTTHCARE | $5K | $26K | $31K | 2.83% |
| ALLTRUST INSURANCE3 Filed as: ALLTRUST INSURANCE INC | 2965 ALT 19 PALM HARBOR, FL 34683 | UNITED HEALTTHCARE | $1K | $0 | $1K | 0.11% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | UNITED HEALTTHCARE | $1K | $0 | $1K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 E 5600 S #240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD | $5K | $2K | $7K | 17.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD | $2K | $835 | $3K | 17.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 E 5600 #240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD | $1K | $601 | $2K | 17.12% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTTHCARE | 243 | $1.1M |
| Dental | UNITED HEALTTHCARE | 243 | $1.1M |
| Vision | UNITED HEALTTHCARE | 243 | $1.1M |
| Life insurance | RELIANCE STANDARD | 148 | $11K |
| Short-term disability | RELIANCE STANDARD | 121 | $15K |
| Long-term disability | RELIANCE STANDARD | 145 | $43K |
| Prescription drug | UNITED HEALTTHCARE | 243 | $1.1M |
| Other | RELIANCE STANDARD | 148 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.