| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS DIVISION, INC3 | 125 S. SWOOPE AVE. STE 210 MAITLAND, FL 327515784 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 6.00% |
| BENEFITS DIVISION, INC3 | 125 S. SWOOPE AVE. STE 210 MAITLAND, FL 327515784 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 6.00% |
| SIHLE INSURANCE GROUP INC3 Filed as: SIHLE INSURANCE GROUP | 1021 DOUGLAS AVENUE ALTAMONTE SPRINGS, FL 32716 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.82% |
| SIHLE INSURANCE GROUP INC3 Filed as: SIHLE INSURANCE GROUP | PO BOX 160398 ALTAMONTE SPRINGS, FL 32716 | VISION SERVICE PLAN | $647 | — | $647 | 7.85% |
| SIHLE INSURANCE GROUP INC3 | 1021 DOUGLAS AVE ALTAMONTE SPRINGS, FL 32714 | TRANSAMERICA LIFE INSURANCE COMPANY | $528 | — | $528 | — |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $236 | — | $236 | — |
| BEACON ENTERPRISES INC3 | 2441 W STATE ROAD 426 STE 1011 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $225 | — | $225 | — |
| ENROLLMENT FIRST INC3 | 6712 DEANE HILL DR KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $127 | — | $127 | — |
| BURKETT & ASSOCIATES INS3 | 12627 SAN JOSE BLVD JACKSONVILLE, FL 32223 | TRANSAMERICA LIFE INSURANCE COMPANY | $58 | — | $58 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $5K |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 40 | $501K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 208 | $47K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 208 | $39K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 40 | $501K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 208 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.