| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 1105 NIKKI VIEW DR BRANDON, FL 335114879 | UNITED HEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 5.00% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC | 1105 NIKKI VIEW DR BRANDON, FL 33511 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHED LISTING | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $9K | $222 | $10K | 16.10% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHED LISTING | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $8K | $244 | $8K | 14.90% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI DR BRANDON, FL 33511 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 17.58% |
| RH JONES FINANCIAL3 | 5340N FEDERAL HWY, STE #102 LIGHTHOUSE POINT, FL 33064 | GENWORTH FINANCIAL | $49 | — | $49 | 1.39% |
| ROBERT CASH JR3 | 2000 S OCEAN DR #1202 FORT LAUDERDALE, FL 33316 | GENWORTH FINANCIAL | $22 | — | $22 | 0.62% |
| MIKE NEUBAUER3 | 6903 YEOMAN CT FREDERICKSBURG, VA 22407 | GENWORTH FINANCIAL | $14 | — | $14 | 0.40% |
| ROBERT FLEMING3 Filed as: ROBERT HERBERT JONES | 2340 NE 31ST COURT LIGHTHOUSE POINT, FL 33064 | GENWORTH FINANCIAL | $14 | — | $14 | 0.40% |
| RH JONES FINANCIAL3 | 5340 N FEDERAL HWY, STE #102 LIGHTHOUSE POINT, FL 33064 | GENWORTH FINANCIAL | $19 | — | $19 | 0.98% |
| ROBERT FLEMING3 Filed as: ROBERT HERBERT JONES | 5340 N FEDERAL HWY, STE #102 LIGHTHOUSE POINT, FL 33064 | GENWORTH FINANCIAL | $9 | — | $9 | 0.46% |
| MIKE NEUBAUER3 | 6903 YEOMAN CT FREDERICKSBURG, VA 22407 | GENWORTH FINANCIAL | $7 | — | $7 | 0.36% |
| ROBERT CASH JR3 | 2000 S OCEAN DR #1202 FORT LAUDERDALE, FL 33316 | GENWORTH FINANCIAL | $5 | — | $5 | 0.26% |
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. |
| 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 208 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $83K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 199 | $59K |
| Other(3 contracts, 2 carriers) | AFLAC | 199 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.