| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC | 1105 NIKKI VIEW DR BRANDON, FL 335114879 | HEALTH OPTIONS INC | $46K | — | $46K | 5.00% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 1105 NIKKI VIEW DR BRANDON, FL 335114879 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $611 | $18K | 15.54% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC | 1105 NIKKI VIEW DR BRANDON, FL 33511 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 5.00% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC | 1105 NIKKI VIEW DR BRANDON, FL 335114879 | FLORIDA COMBINED LIFE INSURANCE COMPANY | — | $5K | $5K | 7.93% |
| ALLYN INCORPORATED3 | 3013 BROOKFIELD LANE CLEARWATER, FL 33761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $219 | $3K | 6.60% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 1105 NIKKI VIEW DR BRANDON, FL 33511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.95% |
| HEATHER PLANKEY3 | 7673 115TH ST N SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $26 | $1K | 2.70% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS | 9500 KOGER BLVD ST PETERSBURG, FL 33702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $544 | $54 | $598 | 1.41% |
| PATMAR GROUP INC3 Filed as: PATMAR GROUP | 13214 88TH PL N SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 0.54% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $1 | $195 | 0.46% |
| MARK F BARRETT LLC3 | 14141 46TH ST N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $49 | $137 | 0.32% |
| VONDA DANELLE GOLUB3 | 3330 OVERLOOK DR NE ST PETERSBURG, FL 33703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.26% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 33551 | ADVANTICA INSURANCE COMPANY | $2K | — | $2K | 12.00% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 116 | $1.0M |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE INSURANCE COMPANY | 291 | $86K |
| Vision | ADVANTICA INSURANCE COMPANY | 275 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $113K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $113K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 116 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.