| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOSPITAL BENEFITS INC3 | 2074 WINTER SPRINGS BLVD OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 15.00% |
| HOSPITAL BENEFITS INC3 | 2074 WINTER SPRINGS BLVD OVIEDO, FL 32765 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 10.00% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $462 | $0 | $462 | 5.74% |
| HOSPITAL BENEFITS INC3 | 2074 WINTER SPRINGS BLVD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $309 | $0 | $309 | 3.84% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 19 | $8K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 181 | $144K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 181 | $144K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $180K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $180K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.