| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM, INC | 1110 DOUGLAS AVE STE 2000 ALTAMONTE SPRINGS, FL 32714 | HEALTH OPTIONS | $15K | — | $15K | 5.00% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM, INC | 1110 DOUGLAS AVE STE 2000 ALTAMONTE SPRINGS, FL 32714 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 5.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 1110 DOUGLAS AVE STE 2000 STE 750 ALTAMONTE SPRINGS, FL 327142004 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.95% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 11641 KEW GARDENS AVE STE 111 PALM BEACH GARDENS, FL 334102846 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 8.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTERNATIONAL GULF SOUTH 3510 N CAUSEWAY BLVD., STE. 300 METAIRIE, LA 70002 | TRANSAMERICA LIFE INSURANCE COMPANY | $300 | — | $300 | 3.66% |
| SIHLE INSURANCE GROUP INC3 | 1021 DOUGLAS AVE ALTAMONTE SPRINGS, FL 32714 | TRANSAMERICA LIFE INSURANCE COMPANY | $219 | — | $219 | 2.67% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM, INC | PO BOX 195579 WINTER SPRINGS, FL 32719 | TRANSAMERICA LIFE INSURANCE COMPANY | $218 | — | $218 | 2.66% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $97 | — | $97 | 1.18% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | TRANSAMERICA LIFE INSURANCE COMPANY | $86 | — | $86 | 1.05% |
| BEACON ENTERPRISES INC3 | 2441 W STATE ROAD 426 STE 1011 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $73 | — | $73 | 0.89% |
| ENROLLMENT FIRST INC3 | 237 GORE RD SW KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $41 | — | $41 | 0.50% |
| BURKETT & ASSOCIATES INS3 | 12627 SAN JOSE BLVD JACKSONVILLE, FL 32223 | TRANSAMERICA LIFE INSURANCE COMPANY | $21 | — | $21 | 0.26% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE SUITE 300 ST PETERSBURG, FL 337013699 | HUMANA INSURANCE COMPANY | $628 | $213 | $841 | 21.75% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 31 | $433K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $43K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $43K |
| Life insurance | HUMANA INSURANCE COMPANY | 166 | $4K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 31 | $433K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 166 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.