| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | — | $76K | 14.91% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 15.10% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 11641 KEW GARDENS AVE STE 111 PALM BEACH GARDENS, FL 33410 | PRINCIPAL LIFE INSURANCE COMPANY | — | $10K | $10K | 10.66% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.11% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 2211 LEE ROAD STE 100 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | $9K | $1K | $10K | 11.32% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 15.25% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.31% |
| TRACY REEVES4 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.87% |
| MIKE DEVAUX4 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $594 | — | $594 | 6.19% |
| GAVIN WILLIAMS4 | 8310 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | — | $231 | 2.41% |
| AMERICAN INS PLUS LLC4 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.41% |
| BARRY OLFERN AND ASSOC. INC4 | 954 TYLER ST HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 16.75% |
| TRACY REEVES4 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $452 | — | $452 | 6.71% |
| SUPERIOR LIFE SOLUTIONS, INC.4 Filed as: SUPERIOR LIFE SOLUTIONS, INC | 1607 WRENWOOD WAY MOUNT JULIET, TN 37122 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | — | $25 | 0.37% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | 115 | $102K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $13K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $96K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $96K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $96K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $509K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 37 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.