| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 9.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $88 | $88 | 0.05% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTARR DR. DESTIN, FL 32541 | AFLAC | $4K | — | $4K | 26.05% |
| BONNETT AND ASSOCIATES LLC3 | 7 OARK ST. UNIT 102 COCOA, FL 32922 | AFLAC | $959 | — | $959 | 5.60% |
| SUZANNE CAROL MCNEIL3 | 1251 14TH AVE APT 1 VERO BEACH, FL 32960 | AFLAC | $597 | — | $597 | 3.48% |
| BONNETT AND ASSOCIATES LLC3 | 933 LEE RD. STE 200 ORLANDO, FL 32810 | AFLAC | $557 | — | $557 | 3.25% |
| BRANDON P PROVAN3 | 585 HIDDEN CREEK DR. MERRITT ISLAND, FL 32952 | AFLAC | $496 | — | $496 | 2.89% |
| CHRISTOPHER E LORENTZ3 | 7301 PALOMAR ST. FT. PIERCE, FL 34951 | AFLAC | $426 | — | $426 | 2.49% |
| COLLEEN B. SHANNON3 | 4267 FOUR LAKES DR. MELBOURNE, FL 32940 | AFLAC | $406 | — | $406 | 2.37% |
| JODIE ELLEN COLEMAN3 | 3849 SE LEE ST. STUART, FL 34997 | AFLAC | $361 | — | $361 | 2.11% |
| HOLLY PACE3 | 2629 KINGDOM AVE MELBOURNE, FL 32934 | AFLAC | $292 | — | $292 | 1.70% |
| GRANT HAMMAN3 | 1731 MAHOGANY CT NW PALM BAY, FL 32907 | AFLAC | $177 | — | $177 | 1.03% |
| CHRISTANIA M SELPH3 | 212 CORINNE RD FT. PIERCE, FL 34945 | AFLAC | $59 | — | $59 | 0.34% |
| ATHENA CONNELL3 | 333 CORAL DR. CAPE CANAVERAL, FL 32920 | AFLAC | $10 | — | $10 | 0.06% |
| RUBEN ROSA3 | 933 LEE RD STE 200 ORLANDO, FL 32810 | AFLAC | $2 | — | $2 | 0.01% |
| ACENTRIA INSURANCE3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | PREFERRED LEGAL PLAN | $930 | — | $930 | 18.47% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $540K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $184K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $184K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $201K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $184K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $184K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $540K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.