| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP D/B/A SELECT | 300 PRIMERA BLVD., SUITE 140 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | $145K | — | $145K | 8.71% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $77 | $21K | 1.29% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $11 | $12K | 0.69% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATION INS INC | 110 CARILLON PKWY SAINT PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 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 | $6K | — | $6K | 0.35% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC DBA THE BAILEY | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $39 | $5K | 0.28% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 0.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.19% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP DBA SELECT | 300 PRIMERA BLVD. STE 140 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA H | 12450 BRANTLEY COMMONS CT FORT MEYERS, FL 33907 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $59 | $3K | 0.17% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.10% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.06% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | PO BOX 373 TAMPA, FL 33601 | METROPOLITAN LIFE INSURANCE COMPANY | $701 | $30 | $731 | 0.04% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES LLC | 2103 CORAL WAY STE 603 MIAMI, FL 33145 | METROPOLITAN LIFE INSURANCE COMPANY | — | $687 | $687 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $366 | — | $366 | 0.02% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 W BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | — | $320 | $320 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OFAMERICA LOC CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $307 | $307 | 0.02% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $132 | — | $132 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89 | $89 | 0.01% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57 | $57 | 0.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | SUNLIFE ASSURANCE COMPANY OF CANADA | $45K | $91K | $136K | 8.22% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | SAFE GUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 6.29% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP D/B/A SELECT | 300 PRIMERA BLVD STE 140 LAKE MARY, FL 32746 | SAFE GUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 5.83% |
| AMERICAN CENTRAL INSURANCE SERVICES3 Filed as: AMERICAN CENTRAL INSURANCE AGENCY | 1800 SW 1ST AVE STE 403 MIAMI, FL 33129 | SAFE GUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $237 | — | $237 | 0.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 CLAMS ADMINISTRATOR | Claims processing Service code 12 | 4800 DEERWOOD CAMPUS PKWY, DU-3 JACKSONVILLE, FL 32246 | $942K |
| MILLIMAN EIN 91-0675641 ACTUARY | Actuarial Service code 11 | 1120 SOUTH 101ST SUITE 400 OMAHA, NE 68124 | $284K |
| SAVEONSP, LLC EIN 47-3603390 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 40 LA RIVIERE SUITE 310 BUFFALO, NY 14202 | $226K |
| RX BENEFITS EIN 63-1157085 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 3700 COLONNADE PKWY SUITE 600 BERMINGHAM, AL 35243 | $138K |
| HOLIFIELD LAW, PLLC EIN 81-0932795 LEGAL COUNSEL | Legal Service code 29 | 11907 KINGSTON PIKE SUITE 201 KNOXVILLE, TN 37934 | $109K |
| OSWALD AND SCOTT, PA EIN 06-1660624 AUDITOR | Accounting (including auditing) Service code 10 | 605 EAST ROBINSON STREET SUITE 522 ORLANDO, FL 32801 | $42K |
| BUCK GLOBAL EIN 83-1116912 CONSULTANT | Consulting fees Service code 70 | 420 LEXINGTON AVENUE NEWYORK, NY 10170 | $33K |
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 | 2,241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,289 | $1.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,289 | $1.7M |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 2,352 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,289 | — |
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.
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.