| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREFERRED BENEFIT ADMINISTRATORS3 | 155 SABAL PALM DRIVE LONGWOOD, FL 32779 | UNITED STATES FIRE INSURANCE COMPANY | — | $109K | $109K | 49.53% |
| PREFERRED BENEFIT ADMINISTRATORS3 | PO BOX 316188 LONGWOOD, FL 32750 | GUARDIAN | $1K | — | $1K | 8.11% |
| PROVINSURE INC3 | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | GUARDIAN | $145 | — | $145 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | GUARDIAN | $129 | — | $129 | 0.89% |
| PREFERRED BENEFIT ADMINISTRATORS3 | PO BOX 916188 LONGWOOD, FL 32791 | SYMETRA LIFE INSURANCE COMPANY | $131 | — | $131 | 7.60% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED STATES FIRE INSURANCE COMPANY | 338 | $221K |
| Dental | UNITED STATES FIRE INSURANCE COMPANY | 338 | $221K |
| Vision | GUARDIAN | 145 | $15K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 56 | $2K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 56 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
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.