| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS3 Filed as: THE STRATEGIC GROUP, INC | 16029 NORTH FLORIDA AVENUE LUTZ, FL 33549 | BLUE CROSS BLUE SHIELD OF FLORIDA | $66K | $0 | $66K | 3.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 850 COUNCOURSE PARKWAY SOUTH SUITE 200 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | $0 | $22K | 0.99% |
| STRATEGIC BENEFITS3 Filed as: THE STRATEGIC GROUP, INC | 6114 ROSEHILL ROAD SUITE 500 SHAWNEE, KS 66216 | PRINCIPAL LIFE INSURANCE COMPANY | $36K | $8K | $44K | 14.86% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.05% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 1500 QUAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.45% |
| US BENTECH WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | USABLE LIFE | $2K | $0 | $2K | 6.35% |
| STRATEGIC BENEFITS3 Filed as: THE STRATEGIC GROUP INC | 16029 NORTH FLORIDA AVENUE LUTZ, FL 33549 | USABLE LIFE | $1K | $0 | $1K | 2.72% |
| C WALKER SULLIVAN3 Filed as: C. WALKER SULLIVAN | 2859 PACES FERRY ROAD SE SUITE 1200 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $1K | $330 | $2K | 5.90% |
| MOE MODJESKI3 | 2201 EAST CAMELBACK ROAD, SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $1K | $330 | $2K | 5.90% |
| TYLER A WRAGE3 Filed as: TYLER A. WRAGE | 16029 NORTH FLORIDA AVENUE LUTZ, FL 33549 | NORTHWESTERN MUTUAL | $655 | $165 | $820 | 2.95% |
| CALLAWAY BLACK GRP INC3 Filed as: CALLAWAY BLACK GROUP INC | 2859 PACES FERRY ROAD SE SUITE 1200 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $524 | $63 | $587 | 2.11% |
| OCONNELL FNCL GRP INC3 Filed as: OCONNELL FINANCIAL GROUP INC | 1511 NORTH WEST SHORE BOULEVARD SUITE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $131 | $16 | $147 | 0.53% |
| UNKNOWN3 | UNKNOWN OCALA, FL 34475 | TELEDOC | $2K | $0 | $2K | 15.00% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 241 | $2.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $297K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $297K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $297K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $297K |
| Long-term disability | NORTHWESTERN MUTUAL | 42 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 241 | $2.2M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
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.