| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $90K | $107K | 7.10% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.33% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFIT SOLUTIONS | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | MADISON NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 18.15% |
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 7.18% |
| JOHN M NEWMAN, JR3 | 35 PONTE VEDRA COLONY CIRCLE PONTE VEDRA BEACH, FL 32082 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 5.48% |
| ENHANCEDCARE, INC3 | 1290 UNIVERSITY AVENUE SUITE G ROCHESTER, NY 14607 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.78% |
| GERALD MORRISON MCGEE JR3 Filed as: GERALD M MCGEE | 3657 RICHMOND STREET JACKSONVILLE, FL 32205 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.37% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFIT SOLUTIONS | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $639 | — | $639 | 5.00% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 340 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 340 | $1.5M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 137 | $13K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 284 | $157K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 284 | $157K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 284 | $157K |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 284 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.