| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 | 1317 CITIZENS BLVD LEESBURG, FL 34748 | GUARDIAN | $5K | $614 | $6K | 9.07% |
| DEREAK GIACOMAZZI3 | 18753 MAPLEWOOD LANE NORTHRIDGE, CA 91326 | UNUM | $3K | $146 | $3K | 9.71% |
| WILLIAM BRANDT3 | 2093 E 11TH ST LOVELAND, CO 80537 | UNUM | $774 | — | $774 | 2.32% |
| DEREK GIACOMAZZI3 | 18753 MAPLEWOOD LANE NORTHRIDGE, CA 91326 | UNUM | $2K | $73 | $2K | 12.44% |
| WILLIAM BRANDT3 | 2093 E 11TH ST LOVELAND, CO 80537 | UNUM | $493 | $0 | $493 | 3.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 87 | $66K |
| Vision | GUARDIAN | 87 | $66K |
| Life insurance(2 contracts) | UNUM | 122 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.