| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NICHOLAS GROUP CLEARWATER INC3 | 36181 E LAKE RD #21 PALM HARBOR, FL 34685 | HUMANA MEDICAL PLAN, INC. | $51K | $5K | $56K | 5.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752511800 | HUMANA MEDICAL PLAN, INC. | -$5K | $0 | -$5K | -0.49% |
| GL BENJAMIN INC3 | 5837 RAVENWOOD DR SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $437 | $0 | $437 | 3.37% |
| DIAZ VICTOR G3 | 12518 EVINGTON POINT DR RIVERVIEW, FL 33579 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $356 | $0 | $356 | 2.75% |
| JOHN C JONES & ASSOC INC3 | 2027 HAWAII AVE NE ST PETERSBURG, FL 33703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $229 | $0 | $229 | 1.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $178 | $0 | $178 | 1.37% |
| THE NICHOLAS GROUP3 | 3074 LANDMARK BLVD APT 1501 PALM HARBOR, FL 346845045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | $0 | $176 | 1.36% |
| WEISHAUPT HEIDI S3 | 4520 29TH AVENUE CIRCLE E PALMETTO, FL 34221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | $0 | $123 | 0.95% |
| GL BENJAMIN INC3 Filed as: BENJAMIN SARA | 3118 GULF TO BAY SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | $12 | $59 | 0.46% |
| COMPREHENSIVE COMPANIES3 Filed as: COMPREHENSIVE UNDERWRITERS INC | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.40% |
| SCHUMAKER HAROLD WILLIAM3 | 10471 SANDERLING SHORES DR APT 204 TAMPA, FL 33619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.25% |
| STONE RONALD3 | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| THE NICHOLAS GROUP CLEARWATER INC3 | 36181 E LAKE RD #21 PALM HARBOR, FL 34685 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| THE NICHOLAS GROUP CLEARWATER INC3 | 36181 E LAKE RD #21 PALM HARBOR, FL 34685 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 188 | $1.1M |
| Dental | HUMANA MEDICAL PLAN, INC. | 188 | $1.1M |
| Vision | HUMANA MEDICAL PLAN, INC. | 188 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 188 | $1.1M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14 | $8K |
| Other(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 188 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.