| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PRIMA GROUP SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | $161K | $200K | 11.59% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP, INC | 300 PRIMERA BLVD. SUITE 140 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | $114K | — | $114K | 8.73% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP, INC | 300 PRIMERA BLVD. SUITE 140 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | $314 | $32K | $32K | 2.48% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | PO BOX 1414 NCB-88 MINNEAPOLIS, MN 55480 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $41 | $8K | 0.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | PO BOX 1414 NCB-88 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $41 | $6K | 0.47% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE INC | 110 CARILLON PKWY SAINT PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $82 | $5K | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISCHER BROWN BOTTRELL INSURANCE | 19 W GARDEN ST STE 300 PENSACOLA, FL 32502 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $28 | $3K | 0.25% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINATTI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $301 | $3K | 0.25% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | 300 W PLATT ST STE 200 TAMPA, FL 33606 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $119 | $3K | 0.24% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD STE 100 WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.21% |
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.16% |
| THE CLEMONS COMPANY3 | PO BOX 2298 PANAMA CITY, FL 32402 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.14% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $296 | $2K | 0.12% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP INC. | 1825 MAIN ST STE WESTON, FL 33326 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS & ASSOCIATES INC. | 300 AVENUE OF CHAMPIONS STE 240 PALM BEACH GARDENS, FL 33418 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 4830 W KENNEDY BLVD. STE 850 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $54 | $1K | 0.08% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $986 | $986 | 0.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $761 | $761 | 0.06% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU INS | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $360 | $360 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLETION CENTER DR. 40 W MADISON 4TH FL CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $128 | $128 | 0.01% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.00% |
| THE MCCALL AGENCY INC3 Filed as: MCCALL AGENCY INC | 669 LAKE DRIVE VERO BEACH, FL 32963 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP, INC | 300 PRIMERA BLVD. SUITE 140 LAKE MARY, FL 32746 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $3K | — | $3K | 10.10% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $393 | $34 | $427 | 1.64% |
| THE CLEMONS COMPANY3 | PO BOX 2298 PANAMA CITY, FL 32402 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $1 | — | $1 | 0.00% |
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 4800 DEERWOOD CAMPUS PKWY, DU-3 JACKSONVILLE, FL 32246 | $1.3M |
| MILLIMAN EIN 91-0675641 ACTUARY | Actuarial Service code 11 | 1120 SOUTH 101ST STREET SUITE 400 OMAHA, NE 68124 | $285K |
| CFO ALLIANCE EIN 75-0754594 CONSULTANT | Consulting fees Service code 70 | PO BOX 340470 TAMPA, FL 33694 | $129K |
| ERISA LAW PRACTICE LEGAL COUNSEL | Legal Service code 29 | 4817 E. 18TH AVE DENVER, CO 80220 | $105K |
| OSWALD & SCOTT, PA EIN 06-1660624 AUDITOR | Accounting (including auditing) Service code 10 | 605 EAST ROBINSON STREET SUITE 522 ORLANDO, FL 32801 | $69K |
| RX BENEFITS EIN 63-1157085 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 3700 COLONNADE PKWY, STE 600 BIRMINGHAM, AL 35243 | $54K |
| HOLIFIELD LAW, PLLC EIN 81-0932795 LEGAL COUNSEL | Legal Service code 29 | 11907 KINGSTON PIKE SUITE 201 KNOXVILLE, TN 37934 | $45K |
| PCE VALUATIONS EIN 80-0021745 APPRAISER | Valuation (appraisals, etc.) Service code 34 | 200 E. NEW ENGLAND AVE SUITE 200 WINTER PARK, FL 32789 | $13K |
| LAW OFFICE OF GEORGE K. BREW EIN 55-0878409 LEGAL COUNSEL | Legal Service code 29 | 6817 SOUTHPOINT PARKWAY SUITE 1804 JACKSONVILLE, FL 32216 | $8K |
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 | 2,668 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 60 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,981 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,981 | $1.3M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,823 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,981 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.