| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCARBOROUGH COMPANY INS INC3 | 2811 NW 41 STREET GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 2.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41ST STREET, STE A GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $702 | $0 | $702 | 0.31% |
| SCARBOROUGH CO INS INC3 | PO BOX 147055 GAINESVILLE, FL 326147055 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 11.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41ST STREET STE A GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.24% |
| SCARBOROUGH CO INS INC3 | PO BOX 147055 GAINESVILLE, FL 326147055 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 11.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41ST STREET STE A GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.27% |
| SCARBOROUGH CO INS INC3 | PO BOX 147055 GAINESVILLE, FL 326147055 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 6.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41ST STREET STE A GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.39% |
| ENROLLMENT SOLUTIONS LTD Filed as: ENROLLMENT SOLUTIONS INC | 5030 CHAMPION BLVD STE G6-405 BOCA RATON, FL 33496 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.84% |
| ROBERT M NOE | 422 WESTBRIDGE DRIVE KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.66% |
| SCARBOROUGH COMPANY INS INC3 | 2811 NW 41ST STREET GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 3.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41ST STREET STE A GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $120 | $0 | $120 | 0.30% |
| KAREN TORCHIA | 5030 CHAMPION BLVD SUITE G11-#405 BOCA RATON, FL 33496 | ALLSTATE BENEFITS | $5K | — | $5K | 15.23% |
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 | 413 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 305 | $224K |
| Vision | STANDARD INSURANCE COMPANY | 270 | $40K |
| Life insurance | STANDARD INSURANCE COMPANY | 413 | $119K |
| Short-term disability | STANDARD INSURANCE COMPANY | 198 | $112K |
| Long-term disability | STANDARD INSURANCE COMPANY | 413 | $149K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 103 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
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.