| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF RAYMOND N STRIC3 | 741 NE 3RD ST OCALA, FL 34470 | CIGNA HEALTH & LIFE INSURANCE | $67K | — | $67K | 17.47% |
| CIGNA5 Filed as: CIGNA HEALTH & LIFE INSURANCE | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | CIGNA HEALTH & LIFE INSURANCE | — | $59K | $59K | 15.43% |
| INSURANCE OFFICE OF RAYMOND N STRIC3 | 741 NE 3RD ST OCALA, FL 34470 | PRINCIPAL LIFE INS CO | $9K | $2K | $12K | 12.70% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PRINCIPAL LIFE INS CO | — | $218 | $218 | 0.24% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE | 176 | $384K |
| Dental | PRINCIPAL LIFE INS CO | 212 | $92K |
| Vision | PRINCIPAL LIFE INS CO | 212 | $92K |
| Life insurance | PRINCIPAL LIFE INS CO | 212 | $92K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE | 176 | $384K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH & LIFE INSURANCE | 176 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.