| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $37K | $42K | 4.85% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | UNITEDHEALTHCARE INSURANCE COMPANY | $395 | $3K | $4K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 12.36% |
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOCS | 9067 BELCHER RD N PINELLAS PARK, FL 33782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $329 | — | $329 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | GUARDIAN | $2K | — | $2K | 13.82% |
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOCS INC | 11309 STARKY RD LARGO, FL 33773 | GUARDIAN | $55 | — | $55 | 0.30% |
| DAVIS II COMPANIES LLC3 | — | GUARDIAN | $1 | — | $1 | 0.01% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 128 | $859K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 10 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 10 | $61K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.