| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDEFINED BENEFITS DBA SULLIVAN3 | 10672 BLOOMINGDALE AVE STE 102 RIVERVIEW, FL 33578 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $4K | $22K | 9.14% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 3.53% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC | 10672 BLOOMINGTON AVENUE SUITE 102 RIVERVIEW, FL 33578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 9.74% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.78% |
| DIGITAL INSURANCE LLC3 | 1105 NIKKI VIEW DR BRANDON, FL 335114879 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 7.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY | $957 | $267 | $1K | 2.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAN HEALTH EIN 16-1264154 CLAIMS ADMINISTRATION | Other services; Contract Administrator; Other fees; Claims processing Service code 12 | — | $50K |
| REDEFINED BENEFITS DBA SULLIVAN EIN 59-3562048 BROKER | Claims processing; Other commissions Service code 12 | 10672 BLOOMINGDALE AVE. RIVERVIEW, FL 33578 | $43K |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 108 | $59K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 108 | $59K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $80K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $80K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $80K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $242K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.