| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ZIFF AGENCY, LLC3 | 2118 60TH DR E BRADENTON, FL 34203 | HEALTH OPTIONS INC | $13K | — | $13K | 4.81% |
| THE ZIFF AGENCY, LLC3 | 2118 60TH DR E BRADENTON, FL 34203 | BCBS OF FLORIDA | $4K | — | $4K | 4.18% |
| THE ZIFF AGENCY, LLC3 Filed as: THE ZIFF AGENCY LLC | 2118 60TH DR E BRADENTON, FL 34203 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $485 | — | $485 | 3.43% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA LLC | 4600 W CYPRESS ST STE 550 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | — | -$2 | -0.01% |
| THE ZIFF AGENCY, LLC3 | 2118 60TH DR E BRADENTON, FL 34203 | USABLE LIFE | $517 | — | $517 | 18.98% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $396 | $57 | $453 | 16.63% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $243 | $29 | $272 | 16.28% |
| THE ZIFF AGENCY, LLC3 | 2118 60TH DR E BRADENTON, FL 34203 | USABLE LIFE | $251 | — | $251 | 15.02% |
| THE ZIFF AGENCY, LLC3 | 2118 60TH DR E BRADENTON, FL 34203 | USABLE LIFE | $72 | — | $72 | 18.80% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $56 | $8 | $64 | 16.71% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 79 | $380K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $14K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $14K |
| Prescription drug | HEALTH OPTIONS INC | 79 | $278K |
| Other(4 contracts, 2 carriers) | BCBS OF FLORIDA | 152 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.