| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GRP | 1101 N LAKE DESTINY RD #100 MAITLAND, FL 32751 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GRP | 1101 N LAKE DESTINY RD #100 MAITLAND, FL 32751 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 CLAIMS PROCESSING | Claims processing Service code 12 | 1500 WEST PARK DRIVE SUITE 330 WESTBOROUGH, MA 01581 | $91K |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 193 | $80K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 193 | $80K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $123K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $123K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $123K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 209 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
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.