| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 339508243 | AMERITAS LIFE INSURANCE CORP. | $8K | — | $8K | 10.00% |
| MICHAEL ALAN PHILLIPS3 | 11753 SUSAN HALASZ LN THONOTOSASSA, FL 339522873 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 2.47% |
| INTRUST BUSINESS PARTNERS LLC3 Filed as: INTRUST BUSINESS PARTNERS, LLC | 109 N BRUSH ST, STE 260 TAMPA, FL 336024168 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 6.00% |
| INTRUST BUSINESS PARTNERS LLC3 | 412 E MADISON ST STE 809 TAMPA, FL 336024616 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | $743 | — | $743 | 1.93% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT INC | 128 W CHARLOTTE ST PUNTA GORDA, FL 339505502 | UNITEDHEALTHCARE INSURANCE COMPANY | $72 | — | $72 | 0.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-FLORIDA | 6750 N ANDREWS AVE, STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | $72 | — | $72 | 0.21% |
| INTEGRITY MEMBER SERVICES3 | 128 W CHARLOTTE AVENUE PUNTA GORDA, FL 33950 | HUMANA | $4K | $500 | $5K | 14.86% |
| INTRUST BUSINESS PARTNERS LLC3 Filed as: INTRUST BUSINESS PARTNERS, LLC | 109 N BRUSH ST, STE 260 TAMPA, FL 336024168 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 6.00% |
| INTEGRITY MEMBER SERVICES3 | 128 W CHARLOTTE AVENUE PUNTA GORDA, FL 33950 | HUMANA | $2K | — | $2K | 8.67% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT INC | 128 W CHARLOTTE AVE PUNTA GORDA, FL 339505502 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.46% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | $708 | — | $708 | 3.24% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | UNITEDHEALTHCARE INSURANCE COMPANY | $48 | — | $48 | 0.22% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE STREET PUNTA GORDA, FL 339505502 | UNITEDHEALTHCARE INSURANCE COMPANY | $210 | — | $210 | 1.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | $125 | — | $125 | 0.60% |
| NORTHEAST UNDERWRITERS INC3 Filed as: NORTHEAST UNDERWRITERS INC. | 4790 1ST ST N ST PETERSBURG, FL 337033000 | UNITEDHEALTHCARE INSURANCE COMPANY | $26 | — | $26 | 0.13% |
| INTEGRITY MEMBER SERVICES3 | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | HUMANA | $618 | — | $618 | 10.00% |
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 | 420 | 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) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 11 | $235K |
| Dental(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 257 | $111K |
| Vision(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 257 | $111K |
| Life insurance | HUMANA | 134 | $22K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 7 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.