| 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 | $35K | $17 | $35K | 4.10% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 210301827 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.43% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 4.37% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 4.60% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 4.41% |
| THE ELAN GROUP3 Filed as: THE ELAN GROUP, INC. | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | HM LIFE INSURANCE COMPANY (DAVIS VISION) | $13K | — | $13K | 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 | 1,569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,800 | $863K |
| Vision | HM LIFE INSURANCE COMPANY (DAVIS VISION) | 2,376 | $130K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,464 | $298K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,139 | $687K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,238 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,800 | — |
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.