| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYES COVERAGE INC3 | 5900 HIATUS ROAD TAMARAC, FL 33321 | AVMED | $16K | $0 | $16K | 4.51% |
| KEYES COVERAGE INC3 | 5900 HIATUS ROAD TAMARAC, FL 33321 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 9.94% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 EAST BROWARD BLVD FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE CO. | $275 | — | $275 | 0.86% |
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE, LLC | 5900 N HIATUS RD TAMARAC, FL 33321 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $642 | — | $642 | 5.99% |
| EA LEGACY LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $536 | $536 | 5.00% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $430 | — | $430 | 4.01% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $161 | $161 | 1.50% |
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE LLC | 5990 N HIATUS RD TAMARAC, FL 33321 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $456 | — | $456 | 6.15% |
| EA LEGACY LLC5 Filed as: EA LEGACY | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $371 | $371 | 5.00% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $286 | — | $286 | 3.85% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $111 | $111 | 1.50% |
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE LLC | 5900 N HIATUS RD TAMARAC, FL 33321 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $237 | — | $237 | 5.82% |
| EA LEGACY LLC5 | 1724 E 5TH AVE TAMPA, FL 33065 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $204 | $204 | 5.01% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $170 | — | $170 | 4.17% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, FL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $61 | $61 | 1.50% |
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 | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 53 | $365K |
| Dental | AETNA LIFE INSURANCE CO. | 121 | $32K |
| Vision | AETNA LIFE INSURANCE CO. | 121 | $32K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $15K |
| Prescription drug | AVMED | 53 | $365K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.