| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES GROUP INC. | BENEFIT RESOURCES GROUP INC. TAMPA, FL 33601 | HARTFORD LIFE AND ACCIDENT | $30K | — | $30K | 9.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 5.71% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 2.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | HARTFORD LIFE AND ACCIDENT | $2K | $212 | $3K | 0.80% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES | 3508. N ARMENIA AVE TAMPA, FL 33607 | GUARDIAN | $4K | — | $4K | 14.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | GUARDIAN | $3K | — | $3K | 10.19% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | GUARDIAN | — | $1K | $1K | 3.78% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $312 | — | $312 | 5.34% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES GROUP | PO BOX 1350 TAMPA, FL 33601 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $273 | — | $273 | 4.67% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $349 | — | $349 | 12.08% |
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 | 422 | 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) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 340 | $30K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 586 | $50K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 422 | $339K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 422 | $336K |
| Other | HARTFORD LIFE AND ACCIDENT | 422 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.