| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOSPITAL BENEFITS INC3 | 2074 WINTER SPRINGS BLVD OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INSURANCE CO | $24K | — | $24K | 15.00% |
| HOSPITAL BENEFITS INC3 | 2074 WINTER SPRINGS BLVD OVIEDO, FL 32765 | UNITED HEALTHCARE INSURANCE CO | $9K | $0 | $9K | 9.12% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | BENEFIT TECHNOLOGIES LLC 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE | $527 | $0 | $527 | 5.63% |
| HOSPITAL BENEFITS INC3 | 2074 WINTER SPRINGS BLVD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE | $368 | $0 | $368 | 3.93% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE | 37 | $9K |
| Dental | UNITED HEALTHCARE INSURANCE CO | 159 | $101K |
| Vision | UNITED HEALTHCARE INSURANCE CO | 159 | $101K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE CO | 233 | $160K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 233 | $160K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 233 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.