| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 CLEARWATER, FL 33757 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $48K | $15K | $63K | 15.51% |
| CHOICE 1 COMMUNICATIONS GRP LLC5 Filed as: CHOICE 1 COMMUNICATIONS GROUP LLC D | 17425 BRIDGE HILL CT STE 100 TAMPA, FL 33647 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 N PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | EYEMED | $184 | $0 | $184 | — |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 68 | $318K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $406K |
| Vision(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $406K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $406K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $406K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $406K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 68 | $318K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
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.