| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FL LLC | 4880 W NEWBERRY RD #180 GAINESVILLE, FL 32607 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 10.71% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.94% |
| IMG5 | 2960 N MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $119 | $119 | 0.05% |
| MULTIPLE AGENTS*3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $17K | $1K | $19K | 18.39% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA, LLC | 4600 W CYPRESS ST STE 550 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 9.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 8950 FONTANA DEL SOL WAY STE 300 NAPLES, FL 34109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $691 | — | $691 | 5.06% |
| STEVE BAKER3 | 153 ESTHER DR COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 31.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $259K |
| ASSURED PARTNERS OF FLORIDA LLC EIN 30-0720060 BROKER | Other commissions Service code 55 | — | $42K |
| SUNLIFE ASSURANCE COMPANY OF CANADA EIN 38-1082080 DENTAL PPO ASO FEES | Claims processing; Contract Administrator Service code 12 | — | $21K |
| PRUDENTIAL INSURANCE CO. OF AMERICA EIN 22-1211670 TPA ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $1K |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 76 | $14K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $37K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 565 | $245K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 565 | $245K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 565 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.