| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $45K | $45K | 5.14% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.96% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | SUNLIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 15.00% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | ADVANTICA INSURANCE COMPANY | $910 | $0 | $910 | 10.00% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | UNION SECURITY INSURANCE COMPANY | $1K | $0 | $1K | 29.84% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $501 | $0 | $501 | 13.83% |
| MIKE DEVAUX3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $241 | $0 | $241 | 6.65% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | $0 | $67 | 1.85% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $872K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $872K |
| Vision | ADVANTICA INSURANCE COMPANY | 132 | $9K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 103 | $60K |
| Short-term disability(3 contracts, 3 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 103 | $68K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 103 | $60K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $872K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 103 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
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.