| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE, STE 300 ST PETERSBURG, FL 33701 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $16K | $18K | 3.54% |
| RBG INC-CONNECTICUT PRINCIPAL3 Filed as: RBG INC-TAMPA PRINCIPAL TRANSITION | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $701 | $10K | $11K | 2.17% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 700 CENTRAL AVE, STE 300 ST PETERSBURG, FL 33701 | UNITEDHEALTHCARE INSURANCE COMPANY | $434 | $4K | $4K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITEDHEALTHCARE INSURANCE COMPANY | $567 | — | $567 | 0.11% |
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 | 83 | 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) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $499K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $499K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.