| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT PARTNERS3 Filed as: MY BENEFIT PARTNERS, LLC | 3802 EHRLICH ROAD, SUITE 308 TAMPA, FL 33624 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $55K | $59K | 6.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44 | — | $44 | 0.00% |
| MY BENEFIT PARTNERS3 | 3802 ERLICH RD, STE 308 TAMPA, FL 33624 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 10.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $198 | $198 | 0.27% |
| TERI L MORROW3 | 6621 THOROUGHBRED LOOP ODESSA, FL 33556 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.00% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DR, STE 5500 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58 | — | $58 | 0.26% |
| WALKER MARINE ENTERPRISES4 | 3507 BELLE VISTA DR E ST PETE BEACH, FL 33706 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $39 | — | $39 | 2.04% |
| ANTHONY TEEGARDEN4 | 6608 S WEST SHORE BLVD, APT 1104 TAMPA, FL 33616 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $35 | — | $35 | 1.83% |
| MASTERMIND PUBLISHING & CONSULTING4 | 10160 NW 24TH PLACE, APT 402 SUNRISE, FL 33322 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | — | $31 | 1.62% |
| JAN TINDER ENTERPRISES INC4 Filed as: JAN TINDER ENTERPRISES INC. | 6943 COHASSET CIR RIVERVIEW, FL 33578 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | — | $29 | 1.52% |
| SYLVIA MARTINEZ4 | 136 PRAIRIE DUNE WAY ORLANDO, FL 32828 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 1.20% |
| GOOD STUFF TEAM INC.4 | 1010 AMERICAN EAGLE BLVD, APT 649 SUN CITY CENTER, FL 33573 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $22 | — | $22 | 1.15% |
| WORRY FREE LIVE MORE LLC4 Filed as: WORRY FREE LIVE MORE INC. | 7025 COUNTY RD 46A, STE 1071-328 LAKE MARY, FL 32746 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $16 | — | $16 | 0.84% |
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 | 81 | 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) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $924K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $924K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $924K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $22K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 42 | $74K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 42 | $74K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.