| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 9040 TOWN CENTER PKWY LAKEWOOD RANCH, FL 34202 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 4.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12377 MERIT DR STE 825 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 1.69% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FLO | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | GUARDIAN | $16K | $2K | $18K | 15.90% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 9040 TOWN CENTER PKWY LAKEWOOD RANCH, FL 34202 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 14.99% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $859K |
| Dental | GUARDIAN | 121 | $116K |
| Vision | GUARDIAN | 121 | $116K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 172 | $160K |
| Short-term disability | GUARDIAN | 121 | $116K |
| Long-term disability | GUARDIAN | 121 | $116K |
| Other | GUARDIAN | 121 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.