| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 Filed as: LASSITER WARE INC | P.O. BOX 490690 LEESBURG, FL 34749 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 5.06% |
| LASSITER WARE3 Filed as: LASSITER WARE INC | P.O. BOX 490690 LEESBURG, FL 34749 | HEALTH OPTIONS | $9K | — | $9K | 5.07% |
| LASSITER WARE3 Filed as: LASSITER -WARE INC | 1317 CITIZENS BLVD LEESBURG, FL 34748 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $6K | $10K | 11.38% |
| C LAMBERT INC3 | 3717 GRIFFIN AVE LADY LAKE, FL 32159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $547 | $5K | 10.59% |
| LASSITER WARE3 Filed as: LASSITER-WARE INS INC | 1317 CITIZENS BLVD LEESBURG, FL 34748 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.12% |
| JAMIE A CONTRERAS-VESTAL3 | P.O. BOX 1240 DELAND, FL 32721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $983 | $99 | $1K | 2.14% |
| GINAKES & ASSOCIATES LLC3 | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $608 | $316 | $924 | 1.83% |
| BRIAN R CHOWNING3 | 36241 S GRAYS AIRPORT RD FRUITLAND PARK, FL 34731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | $143 | $633 | 1.25% |
| SAMANTHA PALMER3 | 5140 BANANA POINT DR OKAHUMPKA, FL 34762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $1 | $73 | 0.14% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | 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 | 83 | $651K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $88K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $88K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 52 | $51K |
| Prescription drug | HEALTH OPTIONS | 37 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.