| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DR. TAMPA, FL 336252630 | BLUE CROSS BLUE SHIELD OF FLORIDA | — | $21K | $21K | 1.50% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 6885 BELFORT OAKS PL STE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 8.28% |
| 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 | $876 | — | $876 | 3.01% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INS. CO. | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $584 | — | $584 | 2.01% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.73% |
| MURPHY FAMILY INS CO3 | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.38% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 25.00% |
| MURPHY FAMILY INS CO3 | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.60% |
| MURPHY FAMILY INS CO3 | 5512 JEFFERSON DAVIS HWY BEECH ISLAND, SC 29842 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | — | $77 | 0.41% |
| LINDA R CONE3 | 3409 WEST MCKAY AVE. TAMPA, FL 33609 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.06% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 22.97% |
| 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 | 8.80% |
| MURPHY FAMILY INS CO3 | 5512 JEFFERSON DAVIS HWY BEECH ISLAND, SC 29842 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 0.48% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 27.94% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INS. CO. | 37048 US HWY 21 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.24% |
| MURPHY FAMILY INS CO3 | 5512 JEFFERSON DAVIS HWY BEECH ISLAND, SC 29842 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.72% |
| LINDA R CONE3 | 3409 WEST MCKAY TAMPA, FL 33609 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.08% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $896 | — | $896 | 32.51% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INS. CO. | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $273 | — | $273 | 9.91% |
| MURPHY FAMILY INS CO3 | 5512 JEFFERSON DAVIS HWY BEECH ISLAND, SC 29842 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 2.90% |
| LORI BARNES3 | 224 N PENNSYLVANIA STREET GREENFIELD, IN 46140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.62% |
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 | 226 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 194 | $1.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $219K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $219K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $248K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $219K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $219K |
| Other(7 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.