| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PURPOSE INSURANCE GROUP INC.3 | 4240 TAMIAMI TRAIL S SUITE A VENICE, FL 34293 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | — | $32K | 9.44% |
| PINKERTON INSURANCE GROUP INC3 | 4240 TAMIAMI TRL S VENICE, FL 34293 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | — | $44K | 13.42% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $3K | $18K | 5.55% |
| PINKERTON INSURANCE GROUP INC3 | 4240 TAMIAMI TRAIL SOUTH VENICE, FL 34293 | SAFEGUARD HEALTH PLANS, INC. A FL CORPORATION | $234 | — | $234 | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC. A FL CORPORATION | $117 | $23 | $140 | — |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 485 | $796K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 482 | $339K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 482 | $339K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 824 | $326K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 824 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 824 | — |
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.