| 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 CANADA | $42K | $84K | $126K | 6.96% |
| STEALTH PARTNER GROUP LLC3 | 9375 E SHEA BLVD SUITE 205 SCOTTSDALE, AZ 85260 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $32K | $32K | 1.76% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP D/B/A SELECT | 300 PRIMERA BLVD STE 140 LAKE MARY, FL 327462167 | METROPOLITAN LIFE INSURANCE COMPANY | $150K | — | $150K | 10.66% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $37 | $20K | 1.40% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP D/B/A SELECT | 300 PRIMERA BLVD STE 140 LAKE MARY, FL 327462167 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 0.70% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD WINTER PARK, FL 327891800 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 0.67% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATION INS INC | 110 CARILLON PKWY SAINT PETERSBURG, FL 337161201 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 0.48% |
| AMERICAN CENTRAL INSURANCE SERVICES3 Filed as: AMERICAN CENTRAL INSURANCE AGENCY | 1800 SW 1ST AVE STE 403 MIAMI, FL 331291180 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 336092593 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $45 | $5K | 0.35% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | PO BOX 373 TAMPA, FL 336010373 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 0.31% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 337013699 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 0.29% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075663 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $45 | $1K | 0.09% |
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075663 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.08% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 336075757 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA LOCK CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $649 | $649 | 0.05% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES LLC | 2103 CORAL WAY STE 603 MIAMI, FL 331452656 | METROPOLITAN LIFE INSURANCE COMPANY | $348 | $198 | $546 | 0.04% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $250 | — | $250 | 0.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | — | $78 | $78 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57 | $57 | 0.00% |
| SELLERS BENEFITS GROUP INC3 | 300 AVENUE OF CHAMPIONS STE 240 PALM BEACH GARDENS, FL 334183618 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22 | $22 | 0.00% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVENUE SUITE 300 SAINT PETERSBURG, FL 337013699 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $2K | — | $2K | 6.60% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP, INC | 300 PRIMERA BLVD. SUITE 140 LAKE MARY, FL 327462167 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $2K | — | $2K | 5.43% |
| AMERICAN CENTRAL INSURANCE SERVICES3 Filed as: AMERICAN CENTRAL INSURANCE AGENCY | 1800 SW 1ST AVENUE SUITE 403 MIAMI, FL 331291180 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $242 | — | $242 | 0.80% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP, INC | 300 PRIMERA BLVD., SUITE 140 LAKE MARY, FL 327462167 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | — | $29 | $29 | 0.10% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES LLC | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $9 | — | $9 | 0.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | PO BOX 632886 CINCINNATI, OH 452632886 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | — | $3 | $3 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MILLIMAN EIN 91-0675641 ACTUARY | Actuarial Service code 11 | 1120 SOUTH 101ST SUITE 400 OMAHA, NE 68124 | $302K |
| SAVEONSP, LLC EIN 47-3603390 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 40 LA RIVIERE SUITE 310 BUFFALO, NY 14202 | $161K |
| RX BENEFITS EIN 63-1157085 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 3700 COLONNADE PKWY SUITE 600 BERMINGHAM, AL 35243 | $145K |
| OSWALD AND SCOTT, PA EIN 06-1660624 AUDITOR | Accounting (including auditing) Service code 10 | 605 EAST ROBINSON STREET SUITE 522 ORLANDO, FL 32801 | $84K |
| ERISA LAW PRACTICE LEGAL COUNSEL | Legal Service code 29 | 4817 E. 18TH AVENUE DENVER, CO 80220 | $80K |
| HOLIFIELD LAW, PLLC EIN 81-0932795 LEGAL COUNSEL | Legal Service code 29 | 11907 KINGSTON PIKE SUITE 201 KNOXVILLE, TN 37934 | $78K |
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 | 2,409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,683 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,683 | $1.4M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,354 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,683 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.