| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCALL AGENCY INC3 Filed as: THE MCCALL AGENCY | 1120 20TH PLACE VERO BEACH, FL 329605362 | BLUE CROSS BLUE SHIELD OF FLORIDA | $38K | — | $38K | 1.43% |
| THE MC CALL AGENCY INC3 | 1120 20TH PLACE VERO BEACH, FL 32960 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 8.58% |
| TRULA A. DONLEY3 | 7722 STATE RD 544 215 WINTER HAVEN, FL 33881 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| TRULA A. DONLEY3 | 7722 STATE RD 544 215 WINTER HAVEN, FL 33881 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $842 | — | $842 | 7.50% |
| DONLEY AND DAVIS INS GRP INC3 Filed as: DONLEY AND DAVIS INSURANCE GROUP | 7722 SR 544 EAST SITE 215 WINTER HAVEN, FL 33881 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.23% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DR SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.20% |
| HARRISON-WATKINSON INC3 | 2002 NORTH LOIS AVENUE SUITE 800 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$1 | — | -$1 | -0.01% |
| RONALD R MCCALL II3 Filed as: RONALD R MCCALL | 669 LAKE DRIVE VERO BEACH, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$30 | — | -$30 | -0.30% |
| STANLEY A DICKINSON3 | 1353 PALMETTO AVENUE SUITE 250 WINTER PARK, FL 32789 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| DONLEY AND DAVIS INS GRP INC3 Filed as: DONLEY AND DAVIS INSURANCE GROUP | 7722 SR 544 SUITE 215 WINTER HAVEN, FL 33881 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $745 | — | $745 | 10.00% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DR, SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.20% |
| STANLEY A DICKINSON3 | 1353 PALMETTO AVENUE SUITE 250 WINTER PARK, FL 32789 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $947 | — | $947 | 15.00% |
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 | 470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 278 | $2.7M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 470 | $228K |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 60 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 470 | $228K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | 30 | $11K |
| Long-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $45K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 278 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.