| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE MORSE INSURANCE AGENCY3 | 1000 WEKIVA SPRINGS RD LONGWOOD, FL 32779 | UNITEDHEALTHCARE INSURANCE COMPANY | $707 | $55K | $56K | 4.47% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS | 419 E OAKLAND AVE OAKLAND, FL 34787 | UNITEDHEALTHCARE INSURANCE COMPANY | $622 | $32K | $33K | 2.61% |
| MORSE INSURANCE AGENCY INC3 | 1000 WEKIVA SPRINGS RD LONGWOOD, FL 327792504 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 5.92% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS LLC | 419 E OAKLAND AVE OAKLAND, FL 347608854 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.48% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHED LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $9K | $31K | 48.32% |
| THE PAUL REVERE LIFE INSURANCE3 Filed as: PAUL REVERE LIFE - SEE LIST | PO BOX 1365 COLUMBIA, SC 29202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $314 | $58 | $372 | 15.66% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 236 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 496 | $157K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 236 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 496 | $157K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 496 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.