| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $283K | $0 | $283K | 5.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $0 | $15K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE,A MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE,A MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE,A MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE RD SUITE 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| B3 ENROLLMENT SERVICES, LLC3 | 211 GREENWICH ROAD CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 18.08% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.72% |
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE ST SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $302 | $0 | $302 | 1.31% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.25% |
| CONSTANCE A SMITH3 | 2601 GLOROSIA DRIVE PALM HARBOR, FL 34684 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.23% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE INSURANCE SOLUTIONS INC | 11444 GRAND BAY BLVD CLERMONT, FL 34711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.23% |
| GREGORY ALLEN BATTEN3 | 2026 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.17% |
| DANIELS SOLUTIONS LLC3 | 13650 W HILLSBOROUGH AVE GREATER TAMPA, FL 33635 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.15% |
| JANET S DOHERTY3 | 1302 W AJO WAY UNIT 230 TUSCAN, AZ 85713 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.09% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.03% |
| SCHMIDT BENEFIT GROUP INC3 | 512 LYONS BAY ROAD NOKOMIS, FL 34275 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| B3 ENROLLMENT SERVICES, LLC3 | 211 GREENWICH ROAD CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 18.67% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,440 | $5.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,440 | $5.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,440 | $5.2M |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 283 | $159K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $135K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 97 | $142K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 283 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,440 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.