| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REFINED BENEFITS DBA SULLIVAN3 | 10672 BLOOMINGDALE AVE SUITE 102 RIVERVIEW, FL 33578 | SUN LIFE ASSURANCE COMPANY OF CANADA | $63K | $13K | $76K | 12.04% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ADDENDUM LISTING | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $27K | $1K | $28K | 21.23% |
| REFINED BENEFITS DBA SULLIVAN3 | 10672 BLOOMINGDALE AVE, SUITE 102 RIVERVIEW, FL 33578 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $18K | 14.03% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 10672 BLOOMINGDALE AVE, SUITE 102 RIVERVIEW, FL 33578 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $585 | $12K | 15.71% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 10672 BLOOMINGDALE AVE, SUITE 102 RIVERVIEW, FL 33578 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $292 | $6K | 15.75% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $125K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $125K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $117K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $78K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $635K |
| Other(3 contracts, 2 carriers) | AFLAC | 262 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.