| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DR TAMPA, FL 336255826 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $73K | $73K | 6.39% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DR TAMPA, FL 33625 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $5K | $21K | 11.00% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULANTS INC | 7416 MONIKA MANOR DR TAMPA, FL 33625 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.05% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA CRUZ, CHARLOTTE R | 718 DUNBAR AVE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $715 | — | $715 | 2.97% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INS. CO. | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $477 | — | $477 | 1.98% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.19% |
| MURPHY FAMILY INS CO3 | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $850 | — | $850 | 3.76% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 40.37% |
| MURPHY FAMILY INS CO3 | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.62% |
| LINDA R CONE3 | 3409 WEST MCKAY AVE. TAMPA, FL 33609 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.25% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 47.83% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INS. CO. | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 16.51% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 46.96% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INS. CO. | 37048 US HWY 21 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $898 | — | $898 | 16.03% |
| LINDA R CONE3 | 3409 WEST MCKAY TAMPA, FL 33609 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.87% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 34 BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $637 | — | $637 | 43.01% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INS. CO. | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $192 | — | $192 | 12.96% |
| LORI BARNES3 | 224 N PENNSYLVANIA STREET GREENFIELD, IN 46140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 1.89% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 147 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $194K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $194K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 260 | $218K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $194K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $194K |
| Other(7 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 260 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.