| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE CONSULTANTS3 | P.O. BOX 1387 LAKE ALFRED, FL 33850 | COMPANION LIFE | — | $20K | $20K | 7.50% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS | 741 NE 3RD ST OCALA, FL 34471 | COMPANION LIFE | — | $7K | $7K | 2.50% |
| CGI - COMMERCIAL GROUP INTERMEDIARI3 Filed as: CGI COMMERCIAL GROUP INTERMEDIARIES | 2356 HASSELL RD. HOFFMAN ESTATES, IL 60109 | COMPANION LIFE | — | $5K | $5K | 2.00% |
| INSURANCE OFFICE OF RAYMOND N STRIC | 741 NE 3RD ST OCALA, FL 34470 | PRINCIPAL LIFE INS CO | $8K | $1K | $10K | 12.25% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY W LAKE, TX 78746 | PRINCIPAL LIFE INS CO | — | $325 | $325 | 0.41% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 142 | $272K |
| Dental | PRINCIPAL LIFE INS CO | 188 | $80K |
| Vision | PRINCIPAL LIFE INS CO | 188 | $80K |
| Life insurance | PRINCIPAL LIFE INS CO | 188 | $80K |
| Prescription drug | COMPANION LIFE | 142 | $272K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 142 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.