| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COADVANTAGE INSURANCE SOLUTIONS COR3 | 101 RIVERFRONT BLVD. SUITE 300 BRADENTON, FL 34205 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 | 101 RIVERFRONT BLVD. SUITE 300 BRADENTON, FL 34205 | BLUE CROSS AND BLUE SHIELD OF FLORIDA | — | — | $0 | 0.00% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 | 101 RIVERFRONT BLVD. SUITE 300 BRADENTON, FL 34205 | METROPOLITAN LIFE INSURANCE COMPANY | $3.3M | $800K | $4.1M | 10.92% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 | 101 RIVERFRONT BLVD. SUITE 300 BRADENTON, FL 34205 | HEALTH OPTIONS, INC. | $0 | $0 | $0 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINANACIA | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | ANTHEM LIFE INSUARNCE COMPANY | — | $82K | $82K | 0.71% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 | 101 RIVERFRONT BLVD. SUITE 300 BRADENTON, FL 34205 | BLUE CROSS SHIELD HEALTHCARE PLAN OF GEORGIA, INC, | — | $0 | $0 | 0.00% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 | 101 RIVERFRONT BLVD. SUITE 300 BRADENTON, FL 34205 | KAISER FOUNDATION HEALTH PLAN, INC. | — | — | $0 | 0.00% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 | 101 RIVERFRONT BLVD. SUITE 300 BRADENTON, FL 34205 | AETNA HEALTH, INC. | — | — | $0 | 0.00% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 | 101 RIVERFRONT BLVD. SUITE 300 BRADENTON, FL 34205 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $0 | $81K | 4.97% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 | 101 RIVERFRONT BLVD. SUITE 300 BRADENTON, FL 34205 | METROPOLITAN LIFE INSURANCE COMPANY | $191K | $18K | $210K | 21.43% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 | 101 RIVERFRONT BLVD. SUITE 300 BRADENTON, FL 34205 | TEXAS HEALTH AND AETNA HEALTH | — | — | $0 | 0.00% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 | 101 RIVERFRONT BLVD. SUITE 300 BRADENTON, FL 34205 | METLIFE LEGAL PLANS OF FLORIDA | $59K | $10K | $69K | 11.90% |
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 | 46,428 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 46,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | AETNA LIFE INSURANCE CO. | 17,901 | $146.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 53,998 | $38.0M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 53,998 | $38.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 53,998 | $37.8M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 53,998 | $39.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 53,998 | $37.8M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 7,534 | $153.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 53,998 | $38.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 53,998 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.