| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 Filed as: LASSITER WARE INC | 1317 CITIZENS BOULEVARD LEESBURG, FL 34748 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $30K | — | $30K | 10.15% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $6K | — | $6K | 1.97% |
| BENEFIT SCIENCE TECHNOLOGY0 | 745 ATLANTIC AVE 8TH FLOOR BOSTON, MA 02111 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | — | $5K | $5K | 1.77% |
| LASSITER WARE3 Filed as: LASSITER WARE INSURANCE | 1317 CITIZENS BOULEVARD LEESBURG, FL 34748 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 1.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Named fiduciary; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing Service code 12 | — | $144K |
| NATIONAL EMPLOYEE BENEFITS ADMINIST EIN 65-0498809 NONE | Contract Administrator Service code 13 | — | $76K |
| LASSITER WARE EIN 59-1258855 NONE | Consulting (general) Service code 16 | — | $58K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| PROCARE PHARMACY BENEFIT MANAGER EIN 58-2422694 NONE | Claims processing Service code 12 | — | $17K |
| UNITED MEMBERS INSURANCE EIN 59-3006151 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $6K |
| LAW OFFICE OF THOMAS JOHNSON, P.A. EIN 59-3519587 NONE | Legal Service code 29 | — | $5K |
| SOUTHERN ACTUARIAL SERVICES CO. INC EIN 58-2409046 NONE | Actuarial Service code 11 | — | $5K |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 301 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.