| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIS HEASLIP & ASSOCIATES, INC.3 Filed as: CHRIS HEASLIP & ASSOC | 23160 FASHION DRIVE UNIT 217 ESTERO, FL 33928 | GUARDIAN | $6K | $3K | $9K | 8.10% |
| SKORA INSURANCE SOLUTIONS | 9858 GADES RD BOCA RATON, FL 33434 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 12.88% |
| WALLACE WELCH & WILLINGHAM INC4 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVENUE SOUTH, 5TH FLOOR ST PETERSBURG, FL 33701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 11.19% |
| SKORA INSURANCE SOLUTIONS | 9858 GADES RD BOCA RATON, FL 33434 | UNION SECURITY INSURANCE COMPANY | $556 | — | $556 | 13.71% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNION SECURITY INSURANCE COMPANY | 108 | $42K |
| Dental | GUARDIAN | 148 | $113K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 108 | $42K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 65 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.