| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 | 2701 MAITLAND CENTER PARKWAY MAITLAND, FL 32751 | RELIANCE STANDARD | $7K | — | $7K | 0.25% |
| LASSITER WARE3 Filed as: LASSITER-WARE INC | PO BOX 490690 LEESBURG, FL 347490690 | RELIANCE STANDARD | $5K | — | $5K | 2.03% |
| LASSITER WARE3 Filed as: LASSITER-WARE INSURANCE | 2701 MAITLAND CENTER PARKWAY MAITLAND, FL 32751 | RELIANCE STANDARD | — | — | $0 | 0.00% |
| LASSITER WARE3 | 2701 MAITLAND CENTER PARKWAY MAITLAND, FL 32751 | RELIANCE STANDARD | $9K | — | $9K | 10.00% |
| LASSITER WARE3 | 2701 MAITLAND CENTER PARKWAY MAITLAND, FL 32751 | RELIANCE STANDARD | $4K | — | $4K | 7.50% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD | 227 | $228K |
| Vision | RELIANCE STANDARD | 227 | $228K |
| Life insurance | RELIANCE STANDARD | 228 | $89K |
| Short-term disability | RELIANCE STANDARD | 162 | $55K |
| Long-term disability | RELIANCE STANDARD | 138 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.