| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 | P.O. BOX 195579 WINTER SPRINGS, FL 32708 | HEALTH OPTIONS | $74K | — | $74K | 6.00% |
| THE ENTERPRISE TEAM, INC.3 | P.O. BOX 195579 WINTER SPRINGS, FL 32708 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 6.00% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 8.15% |
| SHILE INSURANCE GROUP3 | PO BOX 160398 ALTAMONTE SPRINGS, FL 32716 | HUMANA INSURANCE COMPANY | $8 | — | $8 | 0.01% |
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 | 272 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 251 | $1.4M |
| Dental | HUMANA INSURANCE COMPANY | 230 | $79K |
| Vision | HUMANA INSURANCE COMPANY | 230 | $79K |
| Prescription drug | HEALTH OPTIONS | 251 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.