| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDALL INSURANCE GROUP INC3 Filed as: RANDALL INSURANCE GROUP | 8429 LORRAINE ROAD, PMB 162 LAKEWOOD RANCH, FL 34202 | COMPANION LIFE INSURANCE COMPANY (SUMMIT RE) | — | $75K | $75K | 9.91% |
| RANDALL INSURANCE GROUP INC3 | 8429 LORRAINE ROAD PMB 162 BRADENTON, FL 34202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD STE 300 ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 12.00% |
| RANDALL INSURANCE GROUP INC3 | 8429 LORRAINE ROAD PMB 162 BRADENTON, FL 34202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 12.00% |
| RANDALL INSURANCE GROUP INC3 | 8429 LORRAINE ROAD PMB 162 BRADENTON, FL 34202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD STE 300 ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 12.00% |
| RANDALL INSURANCE GROUP INC3 | 8429 LORRAINE ROAD PMB 162 BRADENTON, FL 34202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| RANDALL INSURANCE GROUP INC3 | 8429 LORRAINE ROAD PMB 162 BRADENTON, FL 34202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| RANDALL INSURANCE GROUP INC3 | 8429 LORRAINE ROAD PMB 162 BRADENTON, FL 34202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $330 | — | $330 | 2.26% |
| RANDALL INSURANCE GROUP INC3 | 8429 LORRAINE ROAD PMB 162 BRADENTON, FL 34202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $559 | — | $559 | 4.73% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $103K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $59K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $56K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY (SUMMIT RE) | 229 | $762K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
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.