| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 WEALTH & BENEFITS, INC3 | 4017 W DR MARTIN LUTHER KING JR BLV SUITE 203 TAMPA, FL 33614 | BLUE CROSS BLUE SHIELD OF FLORIDA | $34K | — | $34K | 6.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 6885 BELFORT OAKS PL STE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 9.65% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.22% |
| 360 WEALTH & BENEFITS, INC3 Filed as: 360 WEALTH & BENEFITS | 4017 W DR MARTIN LUTHER KING JR BLV SUITE 203 TAMPA, FL 33614 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.81% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS LLC | 2211 LEE RD STE 100 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.62% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $780 | $780 | 4.31% |
| 360 WEALTH & BENEFITS, INC3 | 2203 N LOIS AVE SUITE 750 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $251 | — | $251 | 1.39% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $125 | $125 | 0.69% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD STE 100 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, FL 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $713 | $713 | 4.40% |
| 360 WEALTH & BENEFITS, INC3 | 2203 N LOIS AVE STE 750 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $294 | — | $294 | 1.81% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $98 | $98 | 0.60% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFITS | 2211 LEE RD STE 100 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $452 | — | $452 | 8.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $226 | $226 | 4.44% |
| 360 WEALTH & BENEFITS, INC3 Filed as: 360 WEALTH & BENEFITS, INC. | 2203 N LOIS AVE SUITE 750 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $56 | — | $56 | 1.10% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $28 | $28 | 0.55% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD STE 100 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $609 | — | $609 | 12.56% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $203 | $203 | 4.19% |
| 360 WEALTH & BENEFITS, INC3 Filed as: 360 WEALTH & BENEFITS INC | 2203 N LOIS AVE SUITE 750 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $119 | — | $119 | 2.45% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $40 | $40 | 0.82% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC | 2211 LEE RD STE 100 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $244 | — | $244 | 13.16% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $82 | $82 | 4.42% |
| 360 WEALTH & BENEFITS, INC3 | 2203 N LOIS AVE SUITE 750 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34 | — | $34 | 1.83% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11 | $11 | 0.59% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 39 | $568K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 53 | $68K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 53 | $68K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $16K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $7K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 78 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.