| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH SULLIVAN3 | 1105 NIKKI DRIVE BRANDON, FL 33511 | SUN LIFE ASSURANCE COMPANY OF CANADA | $52K | $5K | $56K | 10.89% |
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER RD - ML400 PFEIFFER WOODS CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.53% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 33511 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $17K | $5K | $22K | 19.59% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC | 1105 NIKKI VIEW DR BRANDON, FL 33511 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.00% |
| DONNA BIKUS3 | 312 NW 38TH PL CAPE CORAL, FL 339935533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 7.71% |
| B AVERY ENTERPRISES INC3 | 4085 HANCOCK BRIDGE PKWY STE 116 NORTH FT MYERS, FL 33903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.00% |
| KEVIN CHAMBERS3 | 9764 1ST ST N ST PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.89% |
| MICHELLE REMBERTA LOCICERO3 | 4447 ASHTON MEADOWS WAY WESLEY CHAPEL, FL 33543 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY STE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.68% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 612442117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $504 | — | $504 | 0.65% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 33511 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $420 | — | $420 | 0.54% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 33511 | ADVANTICA REINSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $219K |
| REFINED BENEFITS INC DBA SULLIVAN EIN 59-3652048 BROKER | Other commissions Service code 55 | 1105 NIKKI VIEW DR BRANDON, FL 33511 | $55K |
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 | 380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 309 | $517K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $95K |
| Vision | ADVANTICA REINSURANCE COMPANY | 278 | $22K |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 377 | $112K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 377 | $112K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 377 | $112K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 309 | $517K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 377 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.
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.