| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 9375 E SHEA BLVD STE 205 SCOTTSDALE, AZ 85260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $7K | $25K | 7.11% |
| UMR, INC.3 Filed as: UMR INC | 115 W WAUSAU AVE WASAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.64% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | PO BOX 2 LAKELAND, FL 33802 | GUARDIAN | $11K | $6K | $17K | 21.34% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE RD ORLANDO, FL 32819 | GUARDIAN | $3K | — | $3K | 4.00% |
| HARRISON-DAVIS INC3 Filed as: HARRISON DAVIS | — | GUARDIAN | $96 | — | $96 | 0.12% |
| C DAVIES3 Filed as: DAVIES II COMPANIES LLC | — | GUARDIAN | — | $58 | $58 | 0.07% |
| OMS INSURANCE GROUP3 Filed as: OMS INS GROUP | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $705 | $6K | 16.97% |
| OMS INSURANCE GROUP5 Filed as: OMS INS GROUP | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 8.00% |
| OMS INSURANCE GROUP3 Filed as: OMS INS GROUP | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $744 | $6K | 17.34% |
| OMS INSURANCE GROUP5 Filed as: OMS INS GROUP | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 8.00% |
| OMS INSURANCE GROUP3 Filed as: OMS INS GROUP | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $476 | $4K | 16.94% |
| OMS INSURANCE GROUP5 Filed as: OMS INS GROUP | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 8.00% |
| ENROLLMENT ALLIANCE LLC3 | 1302 N 19TH ST STE 150 TAMPA, FL 33605 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 13.44% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTARR DR DESTIN, FL 32541 | SUN LIFE ASSURANCE COMPANY OF CANADA | $480 | — | $480 | 5.86% |
| OMS INSURANCE GROUP3 Filed as: OMS INS GROUP | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $658 | $155 | $813 | 12.36% |
| OMS INSURANCE GROUP5 Filed as: OMS INS GROUP | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $526 | $526 | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $88K |
| OMS INSURANCE GROUP EIN 59-3757026 BROKER | Other commissions Service code 55 | PO BOX 2 LAKELAND, FL 33802 | $49K |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 83 | $80K |
| Vision | GUARDIAN | 83 | $80K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $38K |
| Short-term disability(4 contracts, 2 carriers) | GUARDIAN | 123 | $154K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $25K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $347K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 22 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.