| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCD INSURANCE CONSULTANTS INC3 | 10923 COUNTRYWAY BLVD TAMPA, FL 336262630 | BLUE CROSS BLUE SHIELD OF FLORIDA | $23K | — | $23K | 3.55% |
| GCD INSURANCE CONSULTANTS INC3 | 10923 COUNTRYWAY BLVD TAMPA, FL 336262630 | HEALTH OPTIONS | $10K | — | $10K | 3.54% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS, INC. | 10923 COUNTRYWAY BLVD. TAMPA, FL 336262630 | FLORIDA COMBINED LIFE | $5K | — | $5K | 8.18% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULATANTS, INC. | 10923 COUNTRYWAY BLVD. TAMPA, FL 336262630 | USABLE LIFE | $4K | — | $4K | 15.15% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | — | $2K | 5.43% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $517 | $2K | 20.97% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 31 | $918K |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 80 | $75K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 70 | $9K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 202 | $37K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 31 | $918K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 202 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
No prospect flags tripped on this filing.