| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE LITTLE | — | FIRSTCAROLINA INSURANCE COMPANY | $53K | — | $53K | 6.17% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 W LAUREL ST STE 100 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.10% |
| DAVID ADAMS3 | 301 E YAMATO RD STE 1200 BOCA RATON, FL 33431 | HUMANA INSURANCE COMPANY | $538 | — | $538 | 0.94% |
| DAVID ADAMS3 | 600 CORPORATE DR #650 FORT LAUDERDALE, FL 33334 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.55% |
| NPC FINANCIAL INC.3 Filed as: NPC FINANCIAL | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $150 | — | $150 | 0.40% |
| PRO HEALTH USA3 | 1444 N ST RD 7 MARGATE, FL 33063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIRSTCAROLINA INSURANCE COMPANY | 142 | $854K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 72 | $95K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 72 | $95K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.