| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF | $44K | $111K | $155K | 9.61% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP D/B/A SELECT | 300 PRIMERA BLVD STE 140 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | $155K | — | $155K | 10.51% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $15 | $21K | 1.39% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD STE 100 WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 0.53% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATION INS INC | 110 CARILLON PKWY SAINT PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $21 | $6K | 0.44% |
| AMERICAN CENTRAL INSURANCE SERVICES3 Filed as: AMERICAN CENTRAL INSURANCE AGENCY | 1800 SW 1ST AVE STE 403 MIAMI, FL 33129 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.32% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.32% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | PO BOX 373 TAMPA, FL 33601 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $47 | $4K | 0.28% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE STE 404 SAINT PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.17% |
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.17% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $248 | $2K | 0.12% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.11% |
| SAPOZNIK INSURANCE & ASSOCIATES INC | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.10% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES LLC | 2103 CORAL WAY STE 603 MIAMI, FL 33145 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BOA LOCK BOX SVCS CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $805 | $805 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANC | 19 W GARDEN ST STE 300 PENSACOLA, FL 32502 | METROPOLITAN LIFE INSURANCE COMPANY | — | $655 | $655 | 0.04% |
| RON SELLERS & ASSOCIATES INC3 | 300 AVENUE OF CHAMPIONS STE 240 PALM BEACH, FL 33418 | METROPOLITAN LIFE INSURANCE COMPANY | $342 | $0 | $342 | 0.02% |
| GEORGE H ODIORNE INSURANCE AGENCY3 | PO BOX 830 BRANDON, FL 33509 | METROPOLITAN LIFE INSURANCE COMPANY | $189 | — | $189 | 0.01% |
| THE CLEMONS COMPANY3 | PO BOX 2298 PANAMA CITY, FL 32402 | METROPOLITAN LIFE INSURANCE COMPANY | $65 | — | $65 | 0.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| INSURANCE CONSULTING GROUP INC3 | 1825 MAIN ST STE 102 WESTON, FL 33326 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE STE 404 SAINT PETERSBURG, FL 33701 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORP | $2K | — | $2K | 9.54% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP D/B/A SELECT | 300 PRIMERA BLVD SUITE 140 LAKE MARY, FL 32746 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORP | $1K | — | $1K | 6.58% |
| AMERICAN CENTRAL INSURANCE SERVICES3 Filed as: AMERICAN CENTRAL INSURANCE AGENCY | 1800 SW 1ST AVE STE 403 MIAMI, FL 33129 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORP | $373 | — | $373 | 1.85% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORP | $82 | $24 | $106 | 0.53% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES LLC | 2103 CORAL WAY STE 603 MIAMI, FL 33145 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORP | $49 | — | $49 | 0.24% |
| 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 | $1.0M |
| MILLIMAN EIN 91-0675641 ACTUARY | Actuarial Service code 11 | 1120 SOUTH 101ST SUITE 400 OMAHA, NE 68124 | $249K |
| RX BENEFITS EIN 63-1157085 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 3700 COLONNADE PKWY STE 600 BERMINGAM, AL 35243 | $98K |
| ERISA LAW PRACTICE LEGAL COUNSEL | Legal Service code 29 | 4817 E. 18TH AVENUE DENVER, CO 80220 | $87K |
| OSWALD AND SCOTT, PA EIN 06-1660624 AUDITOR | Accounting (including auditing) Service code 10 | 605 EAST ROBINSON STREET SUITE 522 ORLANDO, FL 32801 | $67K |
| HOLIFIELD LAW, PLLC EIN 81-0932795 LEGAL COUNSEL | Legal Service code 29 | 11907 KINGSTON PIKE SUITE 201 KNOXVILLE, TN 37934 | $53K |
| LAW OFFICE OF GEORGE K. BREW EIN 55-0878409 LEGAL COUNSEL | Legal Service code 29 | 6817 SOUTHPOINT PKWY SUIT 1804 JACKSONVILLE, FL 32216 | $7K |
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 | 2,355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,557 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,557 | $1.5M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF | 2,304 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,557 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.