| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | RELIANCE STANDARD INSURANCE COMPANY | $24K | $0 | $24K | 7.32% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER, SUITE 551 NEWTON, MA 02458 | RELIANCE STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 3.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.63% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.76% |
| THE ROEBUCK GROUP LLC4 Filed as: THE ROEBUCK GROUP, LLC | 20323 PONTY TRAIL COURT EUSTIS, FL 32736 | PRE-PAID LEGAL SERVICES INC | $1K | $0 | $1K | 6.72% |
| EBS INSURANCE BROKERS4 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER, SUITE 551 NEWTON, MA 02458 | PRE-PAID LEGAL SERVICES INC | $810 | $0 | $810 | 5.08% |
| UNIQUE BENEFITS GROUP INC4 Filed as: UNIQUE BENEFITS GROUP, INC. | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES INC | $67 | $0 | $67 | 0.42% |
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 | 1,247 | 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) | 1,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 410 | $63K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 1,427 | $323K |
| Short-term disability | RELIANCE STANDARD INSURANCE COMPANY | 1,427 | $323K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 1,427 | $323K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 1,427 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,427 | — |
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.