| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 NORTH ROCKY POINT DRIVE WEST SUITE 700 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $77K | $77K | 2.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 0.43% |
| FORZA GROUP, LLC3 | 200 DECADON DRIVE, SUITE 230 EGG HARBOR TOWNSHIP, NJ 08234 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 7.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $274 | $3K | 2.42% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, BUILDING C-2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $740 | $0 | $740 | 2.75% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS, INC. | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | TRANSAMERICA LIFE INSURANCE COMPANY | -$483 | $0 | -$483 | -1.80% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $2K | $2K | 27.58% |
| FORZA GROUP, LLC3 Filed as: FORZA INSURANCE GROUP | 200 DECADON DRIVE EGG HARBOR TOWNSHIP, NJ 08234 | METROPOLITAN GENERAL INSURANCE COMPANY | $426 | $0 | $426 | 7.12% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $260 | $260 | 4.34% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $227 | $227 | 3.79% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS, INC. | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | METROPOLITAN GENERAL INSURANCE COMPANY | $49 | — | $49 | 0.82% |
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 | 607 | 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) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 434 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 295 | $77K |
| Vision | VISION SERVICE PLAN | 255 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $124K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $124K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 434 | $3.1M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.