| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| US BENTEC WORKPLACE SOLUTIONS | 700 W. HILLSBORO BLVD STE2-1 DEERFIEL BEACH, FL 33441 | GUARDIAN | $22K | — | $22K | 6.50% |
| THOMPSON RISK II, LLC Filed as: THOMPSON RISK II LLC | 2575 NORTHBROOKE PLAZA DR UNIT 204 NAPLES, FL 34119 | GUARDIAN | $13K | $1K | $15K | 4.36% |
| MY HR PROFESSIONALS BENEFITS | 1701 MAIN ST VAN BUREN, AR 72956 | GUARDIAN | $8K | — | $8K | 2.50% |
| US BENTEC WORKPLACE SOLUTIONS | 700 W. HILLSBORO BLVD STE2-1 DEERFIELD BEACH, FL 33441 | GUARDIAN | $12K | — | $12K | 8.45% |
| THOMPSON RISK II, LLC Filed as: THOMPSON RISK II LLC | 2575 NORTHBROOKE PLAZA DRIVE UNITE 204 NAPLES, FL 34119 | GUARDIAN | $6K | $497 | $7K | 4.64% |
| MY HR PROFESSIONALS BENEFITS | 1701 MAIN STREET VAN BUREN, AR 72956 | GUARDIAN | $5K | — | $5K | 3.25% |
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 | 514 | 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) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARDIAN | 287 | $145K |
| Dental | GUARDIAN | 514 | $337K |
| Vision | GUARDIAN | 514 | $337K |
| Life insurance | GUARDIAN | 514 | $337K |
| Short-term disability(2 contracts) | GUARDIAN | 514 | $482K |
| Long-term disability | GUARDIAN | 287 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.