| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCD INSURANCE CONSULTANTS INC3 | 10923 COUNTRYWAY BLVD TAMPA, FL 33626 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $117K | $10K | $127K | 7.02% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 10923 COUNTRYWAY BLVD TAMPA, FL 33623 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $5K | $25K | 13.71% |
| GCD INSURANCE CONSULTANTS INC3 | 10923 COUNTRYWAY BLVD TAMPA, FL 336262630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | $8K | $47K | 27.72% |
| ANNELISE CLARK3 | 1336 HIDEAWAY DR. SOUTH SAINT JOHNS, FL 32259 | ALLSTATE-AMERICAN HERITAGE LIFE INS CO | $14K | — | $14K | 25.35% |
| GCD INSURANCE CONSULTANTS INC3 | 10923 COUNTRY WAY BLVD TAMPA, FL 33626 | ALLSTATE-AMERICAN HERITAGE LIFE INS CO | $8K | — | $8K | 14.32% |
| SHAWN FLEMING3 | 255 BENT ARROW DRIVE DESTIN, FL 32541 | ALLSTATE-AMERICAN HERITAGE LIFE INS CO | $936 | — | $936 | 1.74% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | ALLSTATE-AMERICAN HERITAGE LIFE INS CO | $168 | — | $168 | 0.31% |
| MURAT TOKAT3 | 14816 SWIFTWATER WAY BLVD TAMPA, FL 33625 | ALLSTATE-AMERICAN HERITAGE LIFE INS CO | $55 | — | $55 | 0.10% |
| DAVID D HOWES3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | ALLSTATE-AMERICAN HERITAGE LIFE INS CO | $12 | — | $12 | 0.02% |
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 | 459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 459 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $180K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $180K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $168K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $168K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $168K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 459 | $1.8M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.