| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | TRANSAMERICA LIFE INSURANCE COMPANY | $19K | — | $19K | 27.56% |
| HOUSE ACCTTEST3 | 1400 CENTERVIEW DR LITTLE ROCK, AR 72201 | TRANSAMERICA LIFE INSURANCE COMPANY | $19K | — | $19K | 27.56% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP, INC | 17000 KERCHEVAL STE 210 GROSSE POINTE, MI 48230 | TRANSAMERICA LIFE INSURANCE COMPANY | $659 | — | $659 | 0.96% |
| NORTH FLORIDA INSURANCE, INC.3 | 556 LAGOON OAKS DR PANAMA CITY BEACH, FL 324085222 | FLORIDA COMBINED LIFE | $147 | — | $147 | 1.43% |
| NORTH FLORIDA INSURANCE AGENCY3 Filed as: NORTH FLORIDA INSURANCE AGENCY, INC | 556 LAGOON OAKS DR PANAMA CITY, FL 324085222 | FLORIDA COMBINED LIFE | — | — | $0 | 0.00% |
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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 328 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $153K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 576 | $158K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
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.