| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIRCLE BONITA SPRINGS, FL 34135 | SYMETRA LIFE INSURANCE COMPANY | $89K | — | $89K | 10.93% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 34315 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $90K | — | $90K | 46.94% |
| GRAVITY BENEFITS INC3 | 9990 COCONUT RD STE 104 BONITA SPRINGS, FL 34135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | — | $25K | 23.76% |
| JANET GOSSETT PA3 | 7119 LAKERDGE VIEW CT #302 FT MYERS, FL 33907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 9.26% |
| VICTORRIO PAUL ZANIOL INC3 | 7301 6TH AVE N ST PETERSBURG, FL 33710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 5.70% |
| BRENDA LYNN GARRETT3 Filed as: BRENDA L GARRETT | 107 S SAN AGUSTIN DR MOORESVILLE, NC 28117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.31% |
| CAROLYN S LEVEILLE3 | 8107 PIEDMONT DR NAPLES, FL 34104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $828 | — | $828 | 0.80% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH B DUCKETT | 60 PERIMETER CENTER PLACE APT 648 ATLANTA, GA 30346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | — | $233 | 0.22% |
| CHERISE M WADE3 | 1931 HIGHWAY 90 SEALY, TX 77474 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.07% |
| ALAN LECLAIRE3 Filed as: ALAN R LECLAIRE | 10600 CHEVROLET WAY SUITE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.07% |
| KELLY A IRVINE3 | 4480 GOLDEN LAKE DR SARASOTA, FL 34233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
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 | 1,301 | 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) | 1,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 887 | $192K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 887 | $192K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,259 | $915K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,259 | $811K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,259 | $811K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,259 | $915K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,259 | — |
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.