| 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. | $11K | — | $11K | 5.00% |
| MICHAEL ALAN PHILLIPS3 | 11753 SUSAN HALASZ LANE THONOTOSASSA, FL 339522873 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 1.43% |
| INTEGRITY MEMBER SERVICES3 | 128 W CHARLOTTE AVENUE PUNTA GORDA, FL 33950 | HUMANA | $10K | — | $10K | 4.93% |
| INTEGRITY MEMBER SERVICES3 | 128 W CHARLOTTE AVENUE PUNTA GORDA, FL 33950 | HUMANA | $4K | — | $4K | 9.39% |
| INTEGRITY MEMBER SERVICES3 | 128 W CHARLOTTE AVENUE PUNTA GORDA, FL 33950 | HUMANA | $12K | — | $12K | 44.46% |
| INTEGRITY MEMBER SERVICES3 | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | HUMANA | $585 | — | $585 | 9.99% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT INC | 128 W CHARLOTTE ST PUNTA GORDA, FL 339505502 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-FLORIDA | 6750 N ANDREWS AVE, STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE STREET PUNTA GORDA, FL 339505502 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| NORTHEAST UNDERWRITERS INC3 Filed as: NORTHEAST UNDERWRITERS INC. | 4790 1ST ST N ST PETERSBURG, FL 337033000 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT INC | 128 W CHARLOTTE AVE PUNTA GORDA, FL 339505502 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| INTRUST BUSINESS PARTNERS LLC3 | 412 E MADISON ST STE 809 TAMPA, FL 336024616 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| INTRUST BUSINESS PARTNERS LLC3 Filed as: INTRUST BUSINESS PARTNERS, LLC | 109 N BRUSH STREET, STE 260 TAMPA, FL 336024168 | BLUE CROSS BLUE SHIELDS | — | — | $0 | — |
| INTRUST BUSINESS PARTNERS LLC3 Filed as: INTRUST BUSINESS PARTNERS, LLC | 109 N BRUSH STREET, STE 260 TAMPA, FL 336024168 | BLUE CROSS BLUE SHIELDS | — | — | $0 | — |
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 | 490 | 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) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 3 carriers) | HUMANA | 19 | $238K |
| Dental(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 283 | $250K |
| Vision(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 283 | $250K |
| Life insurance | HUMANA | 30 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELDS | 7 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.