| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON THORNTON CONSULTANTS3 Filed as: ANDERSON THORNTON | 15429 NORTH FLORIDA AVENUE TAMPA, FL 33613 | BLUE CROSS BLUE SHIELD OF FLORIDA | $29K | — | $29K | 5.00% |
| ANDERSON THORNTON CONSULTANTS3 Filed as: ANDERSON THORNTON | 15429 NORTH FLORIDA AVENUE TAMPA, FL 33613 | HEALTH OPTIONS, INC | $26K | — | $26K | 5.00% |
| GEORGE P. THORNTON3 Filed as: GEORGE P THORNTON | 10522 SAN TRAVASO DRIVE TAMPA, FL 33613 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 9.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE #400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.00% |
| ANDERSON THORNTON CONSULTANTS3 Filed as: ANDERSON THORNTON CONSULTANTS LLC | 15429 NORTH FLORIDA AVENUE TAMPA, FL 33130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 17.53% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $560 | $108 | $668 | 1.50% |
| TIMOTHY B DONNELLY3 | 5960 92ND AVENUE NORTH PINELLAS PARK, FL 33782 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $613 | $16 | $629 | 1.41% |
| NYRA VELASCO3 | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $71 | $404 | 0.91% |
| JANET S DOHERTY3 | 17328 EAST ADRIATIC PLACE AURORA, CO 80013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.20% |
| SCHMIDT BENEFIT GROUP INC3 | 512 LYONS BAY ROAD NOKOMIS, FL 34275 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.07% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DRIVE NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| CHAUNDRA F MILES-WALKER3 | 11415 NEWGATE CREST DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| KARA LEE CHARLTON3 | 102 BELLGROVE BOERNE, TX 78015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 88 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $147K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $147K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $192K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $147K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $147K |
| Prescription drug | HEALTH OPTIONS, INC | 53 | $518K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.