| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCD INSURANCE CONSULTANTS INC3 | 10923 COUNTRYWAY BLVD TAMPA, FL 336262630 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $127K | — | $127K | 6.56% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FLO | 9432 BAYMEADOWS ROAD SUITE 260 JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $9K | $30K | 15.63% |
| GCD INSURANCE CONSULTANTS INC3 | 10923 COUNTRYWAY BLVD TAMPA, FL 336262630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $6K | $43K | 26.65% |
| ANNELIESE CLARK3 | 1336 HIDEAWAY DR SOOUTH SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 17.33% |
| GCD INSURANCE CONSULTANTS INC3 | 7416 MONIKA MANOR DR TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 10.76% |
| SHAWN FLEMING3 | 255 BENT ARROW DR DESTIN, FL 32541 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $985 | — | $985 | 1.37% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 0.21% |
| MURAT TOKAT3 | 14816 SWIFTWATER WAY TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.07% |
| DAVID D HOWES3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 444 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $194K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $194K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $233K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $162K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $162K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 444 | $1.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.