| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FL INS BROKERS OF CENTRAL FL3 | 18582 CORTEZ BLVD BROOKSVILLE, FL 34601 | HCC BENEFITS CORPORATION | $38K | — | $38K | 15.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANCHOR BENEFITS CONSULTING INC. EIN 59-3711044 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | PO BOX 945260 MAITLAND, FL 32794 | $32K |
| CIGNA PPO EIN 31-1418743 NETWORK ADMIN FEES | Other fees Service code 99 | 1385 KEMPER MEADOW DRIVE CINCINNATI, OH 45240 | $21K |
| MD LIVE EIN 45-4937055 NETWORK ADMIN FEES | Other fees Service code 99 | 13630 NW 8TH ST. STE 205 SUNRISE, FL 33325 | $7K |
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 | 133 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC BENEFITS CORPORATION | 133 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
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.