| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ELAN GROUP3 Filed as: THE ELAN GROUP, INC. | 2910 W BAY TO BAY BLVD TAMPA, FL 336298108 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $16 | $31K | 4.13% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 1416 SWEET HOMES RD STE 6 AMHERST, NY 142282784 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.41% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 5.64% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 6.80% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 6.93% |
| THE ELAN GROUP3 Filed as: THE ELAN GROUP, INC. | 2910 W BAY TO BAY BLVD TAMPA, FL 336298108 | HM LIFE INSURANCE COMPANY (DAVIS VISION) | $14K | — | $14K | 10.00% |
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 | 1,373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,759 | $754K |
| Vision | HM LIFE INSURANCE COMPANY (DAVIS VISION) | 2,356 | $141K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,522 | $237K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,121 | $652K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,463 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,759 | — |
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.