| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AGAPE BENEFITS CONSULTING LLC3 | 251 S TRIPLET LAKE DRIVE CASSELBERRY, FL 32707 | HCC LIFE INSURANCE COMPANY | — | $41K | $41K | 12.79% |
| PREFERRED BENEFIT ADMINISTRATORS3 | 155 SABAL PALM DRIVE LONGWOOD, FL 32779 | HCC LIFE INSURANCE COMPANY | — | $31K | $31K | 9.82% |
| ROBERT SAMUEL PHILLIPS3 | 1 PURLIEU PLACE SUITE 240 WINTER PARK, FL 32792 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 3.05% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 155 | $320K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $184K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $184K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $184K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $184K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $184K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 155 | $320K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.