| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $539 | $8K | 9.85% |
| DEININGER BENEFITS ADVISORS INC3 Filed as: DEININGER BENEFITS ADVISORS, INC. | PO BOX 372696 SATELLITE BEACH, FL 32937 | STARMOUNT LIFE INSURANCE COMPANY | $647 | — | $647 | 0.83% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $441 | $9K | 14.35% |
| DEININGER BENEFITS ADVISORS INC3 Filed as: DEININGER BENEFIT ADVISORS, INC. | PO BOX 372696 SATELLITE BEACH, FL 32937 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $862 | — | $862 | 1.33% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $316 | $4K | 9.46% |
| DEININGER BENEFITS ADVISORS INC3 Filed as: DEININGER BENEFITS ADVISORS, INC. | PO BOX 372696 SATELLITE BEACH, FL 32937 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $231 | — | $231 | 0.49% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $218 | $5K | 14.31% |
| DEININGER BENEFITS ADVISORS INC3 Filed as: DEININGER BENEFITS ADVISORS, INC. | PO BOX 372696 SATELLITE BEACH, FL 32937 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $438 | — | $438 | 1.37% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $87 | $1K | 9.81% |
| DEININGER BENEFITS ADVISORS INC3 Filed as: DEININGER BENEFIT ADVISORS INC. | PO BOX 372696 SATELLITE BEACH, FL 32937 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $111 | — | $111 | 0.88% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 35 | $539K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 92 | $78K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $45K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $65K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $111K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 39 | $1.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.