| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 3.25% |
| RON WAYNE MOORE3 Filed as: RON W MOORE | 3401 WEST CYPRESS STREET SUITE 203 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 14.28% |
| CUSTOM WORKSITE SOLUTIONS3 Filed as: CUSTOM WORKSITE SOULUTIONS | 2409 PIRATE COURT JACKSONVILLE, FL 32224 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.02% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $819 | — | $819 | 19.99% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $537 | — | $537 | 20.01% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $306 | — | $306 | 20.00% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 WEST CYPRESS STREET SUITE 103 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $52 | — | $52 | 20.16% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 35 | $327K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $45K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $45K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $45K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $10K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 18 | $3K |
| Other(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.