| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN N. KARP3 | 304 INDIAN TRACE, SUITE 105 WESTON, FL 33326 | STANDARD INSURANCE COMPANY | $65K | $0 | $65K | 18.28% |
| PLAKS BROKERAGE SERVICES, INC.3 | 140 WEST FRANKLIN STREET, UNIT 411 CHAPEL HILL, NC 27516 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 6.16% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA AND ASSOCIATES, INC. | 355 ALHAMBRA CRICLE, SUITE 1550 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.29% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | STANDARD INSURANCE COMPANY | 198 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.