| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA, LLC | 4600 W CYPRESS ST STE 550 TAMPA, FL 33607 | UNITED HEALTHCARE INSURANCE COMPANY | — | $67K | $67K | 5.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 4880 NEWBERRY RD STE 180 GAINESVILLE, FL 32607 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 8.46% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $818 | $818 | 0.56% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 4880 NEWBERRY RD STE 180 GAINESVILLE, FL 32607 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 20.00% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $980 | $980 | 8.45% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTER DR STE 200 JEFFERSONVILLE, IN 47130 | HARTFORD LIFE AND ACCIDENT | — | $351 | $351 | 3.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 4880 NEWBERRY ROAD SUITE 180 GAINESVILLE, FL 32607 | EYEMED VISION CARE | $96 | — | $96 | 1.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 PEPM/EAP FEES | Plan Administrator Service code 14 | — | $11K |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 127 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $145K |
| Vision | EYEMED VISION CARE | 149 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $145K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $145K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 127 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 59 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.