| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLASTRIDGE AGENCY INC3 Filed as: THE PLASTRIDGE AGENCY | 820 N HWY DELRAY BEACH, FL 33483 | HEALTH OPTIONS | $35K | $0 | $35K | 3.99% |
| PLASTRIDGE AGENCY INC3 Filed as: THE PLASTRIDGE AGENCY | 820 N HWY DELRAY BEACH, FL 33483 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | $0 | $21K | 4.00% |
| PLASTRIDGE AGENCY INC3 Filed as: PLASTRIDGE AGENCY | 820 NE 6TH AVE DELRAY BEACH, FL 33483 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 3.93% |
| PLASTRIDGE AGENCY INC3 Filed as: PLASTRIDGE AGENCY | 2120 N DIXIE HWY BOCA RATON, FL 33431 | EYEMED | $1K | $0 | $1K | 8.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC. EIN 35-1450364 NONE | Claims processing Service code 12 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $9K |
| PLASTRIDGE AGENCY EIN 59-0615319 NONE | Claims processing Service code 12 | 2100 N DIXIE HIGHWAY BOCA RATON, FL 33431 | $5K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 NONE | Claims processing Service code 12 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $2K |
| MULTIPLAN EIN 35-2048379 NONE | Claims processing Service code 12 | 115 5TH AVENUE 7TH FL NEW YORK, NY 10003 | $984 |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 122 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $201K |
| Vision | EYEMED | 189 | $13K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $201K |
| Other | COMPANION LIFE INSURANCE | 47 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.