| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA | 3705 SWANN AVE FL 2 TAMPA, FL 33609 | HEALTH OPTIONS INC | $63K | — | $63K | 9.70% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA | 3705 W SWANN AVE FL 2 TAMPA, FL 33609 | BCBS OF FLORIDA | $21K | — | $21K | 10.51% |
| SUPERIOR BENEFITS INC3 | 4206 W CULBREATH AVE TAMPA, FL 33609 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 11.66% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA LLC | 4600 W CYPRESS ST STE 550 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.80% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 75 | $849K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $69K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $69K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $69K |
| Prescription drug | HEALTH OPTIONS INC | 75 | $648K |
| Other | BCBS OF FLORIDA | 20 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.