| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | — | $76K | 15.37% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 10.97% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP LLC | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| KEYSTONE BENEFIT GROUP Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.85% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 13.77% |
| MIKE DEVAUX3 | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $557 | — | $557 | 6.62% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $146 | — | $146 | 1.73% |
| GAVIN WILLIAMS3 | 8130 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 1.16% |
| BARRY OLFERN AND ASSOC. INC4 | 954 TYLER ST HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $713 | — | $713 | 12.55% |
| TRACY REEVES4 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $355 | — | $355 | 6.25% |
| 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 | $37 | — | $37 | 0.65% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $100K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 129 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $44K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 188 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $24K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $496K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 188 | $158K |
| 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.