| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SERVICE PLANNING CORP3 | 4901 NW 17TH WAY ST 605 FT LAUDERDALE, FL 333093775 | BLUE CROSS BLUE SHIELD OF FLORIDA | $69K | — | $69K | 14.64% |
| SERVICE PLANNING CORP3 | 4901 NW 17TH WAY STE 605 FT LAUDERDALE, FL 333093775 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| SERVICE PLANNING CORP3 | 4901 NW 17TH WAY STE 605 FT LAUDERDALE, FL 333093775 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| SERVICE PLANNING CORP3 Filed as: SERVICE PLANNING CORPORATION | 4901 NW 17 WAY STE 605 FORT LAUDERDALE, FL 33309 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 10.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-3222484 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $134K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 THIRD PARTY ADMINSTRATOR | Other fees; Claims processing Service code 12 | P.O. BOX 419423 KANSAS CITY, MO 64141 | $10K |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNION SECURITY INSURANCE COMPANY | 160 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $66K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF FLORIDA | 224 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.