| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DEVAUX3 | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32257 | AETNA LIFE INSURANCE COMPANY | $47K | — | $47K | 0.78% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DR TAMPA, FL 33625 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 3.26% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.32% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | EYEMED | $14K | — | $14K | 9.48% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 12.97% |
| MIKE DEVAUX3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 5.13% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.81% |
| TRACY REEVES3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 11.89% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DR TAMPA, FL 33625 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.86% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $669 | — | $669 | 1.24% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | MONUMENTAL LIFE INSURANCE COMPANY | $654 | — | $654 | 2.43% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $281 | $2K | 11.29% |
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 | 1,601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,212 | $6.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,212 | $6.1M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,212 | $6.2M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,212 | $6.9M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 758 | $806K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 758 | $826K |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,212 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,212 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.