| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEABERRY BENEFIT ANALYSTS LLC3 Filed as: TEABERRY BENEFITS ANALYSTS LLC | 19201 VISTA LANE D 10 INDIAN SHORES, FL 33785 | AETNA LIFE INSURANCE CO | $45K | — | $45K | 13.86% |
| TEABERRY HEALTH & WELFARE BENEFITS3 | 2655 ULMERTON RD #283 CLEARWATER, FL 33762 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | $12K | $43K | 17.70% |
| TEABERRY HEALTH & WELFARE BENEFITS3 | 2655 ULMERTON RD #283 CLEARWATER, FL 33762 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $7K | $33K | 18.86% |
| TEABERRY HEALTH & WELFARE BENEFITS3 | 2655 ULMERTON RD #283 CLEARWATER, FL 33762 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $5K | $17K | 17.61% |
| TEABERRY HEALTH & WELFARE BENEFITS3 | 2655 ULMERTON RD #283 CLEARWATER, FL 33762 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $3K | $10K | 17.67% |
| TEABERRY BENEFIT ANALYSTS LLC3 Filed as: TEABERRY BENEFITS ANALYSTS LLC | 19201 VISTA LANE D 10 INDIAN SHORES, FL 33785 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 9.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $229K |
| THE GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 CONTRACT ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $34K |
| TEABERRY BENEFIT ANALYSTS | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $20K |
| JOHN D PICKARD | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $11K |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE CO | 927 | $48K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 515 | $232K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 515 | $240K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 472 | $97K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 432 | $322K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.