| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MULTIPLE AGENTS*3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $40K | $3K | $43K | 18.46% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FL LLC | 4880 W NEWBERRY RD #180 GAINESVILLE, FL 32607 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 15.73% |
| IMG3 | 2960 N MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $94 | $94 | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 8950 FONTANA DEL SOL WAY STE 300 NAPLES, FL 34109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 24.68% |
| STEVE BAKER3 | 153 ESTHER DR COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $561 | — | $561 | 24.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $235K |
| ASSURED PARTNERS OF FLORIDA LLC BROKER | Other commissions Service code 55 | 300 COLONIAL CENTER PKWY SUITE 270 LAKE MARY, FL 32746 | $33K |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 77 | $32K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 361 | $30K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 529 | $202K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 529 | $202K |
| Other(3 contracts, 3 carriers) | AFLAC | 529 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.