| 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 | $9K | — | $9K | 4.96% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 10923 COUNTRYWAY BLVD TAMPA, FL 336262630 | HEALTH OPTIONS | $9K | — | $9K | 4.97% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DR. TAMPA, FL 33625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 24.20% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA CRUZ | CHAROTTT R 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 17.94% |
| MURPHY FAMILY INS CO3 | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.34% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $160 | — | $160 | 2.99% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107 | — | $107 | 2.00% |
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 | 100 | 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) | 100 | 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 | 29 | $360K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 52 | $42K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 52 | $42K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $47K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 52 | $42K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 52 | $42K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 29 | $360K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.