| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAR INSURANCE GROUP, INC.3 Filed as: MAR INSURANCE GROUP | 157 E NEW ENGLAND AVE # 202 WINTER PARK, FL 32789 | SOLSTICE BENEFITS, INC | $5K | — | $5K | 0.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32100 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | SOLSTICE BENEFITS, INC | $3K | — | $3K | 0.05% |
| MAR INSURANCE GROUP, INC.3 Filed as: MAR INSURANCE | 157 E NEW ENGLAND AVE STE 202 WINTER PARK, FL 32789 | HEALTH OPTIONS | $14K | — | $14K | 4.31% |
| MAR INSURANCE GROUP, INC.3 Filed as: MAR INSURANCE | 157 E NEW ENGLAND AVE STE 202 WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 4.91% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| MAR INSURANCE GROUP, INC.3 Filed as: MAR INSURANCE GROUP INC | 157 E NEW ENGLAND AVE 202 WINTER PARK, FL 32789 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | MANGO'S TROPICAL CAFE LLC ORLANDO | $434 | — | $434 | 9.99% |
| MAR INSURANCE GROUP, INC.3 Filed as: MAR INSURANCE GROUP INC | 157 E NEW ENGLAND AVE 202 WINTER PARK, FL 32789 | MANGO'S TROPICAL CAFE LLC ORLANDO | $347 | — | $347 | 7.99% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 65 | $556K |
| Dental | SOLSTICE BENEFITS, INC | 164 | $5.5M |
| Vision | SOLSTICE BENEFITS, INC | 164 | $5.5M |
| Life insurance(3 contracts, 3 carriers) | SOLSTICE BENEFITS, INC | 164 | $5.5M |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 65 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.