| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 33511 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | $4K | $51K | 12.43% |
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER RD ML 400 PFEIFFER WOODS CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.57% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 1105 NIKKI VIEW DR BRANDON, FL 335114879 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $6K | $26K | 19.50% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 335114879 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 11.24% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $691 | $10K | 27.22% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 33551 | ADVANTICA INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIM PROCESSOR | Claims processing Service code 12 | — | $106K |
| REFINED BENEFITS INC EIN 59-3652048 BROKER | Other commissions Service code 55 | 1105 NIKKI VIEW DR BRANDON, FL 33511 | $28K |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $406K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 487 | $98K |
| Vision | ADVANTICA INSURANCE COMPANY | 301 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $135K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $135K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $135K |
| Prescription drug | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $406K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $406K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.