| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC-GULFSHORE INSURANCE | 4100 GOODLETTE RD N STE 100 NAPLES, FL 341033300 | BLUE CROSS BLUE SHIELD OF FLORIDA | $43K | — | $43K | 4.95% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 341094397 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 1.05% |
| ACRISURE LLC3 | 4100 GOODLETTE RD NORTH SUITE 100 NAPLES, FL 34103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.24% |
| THOMPSON RISK II, LLC3 Filed as: THOMPSON RISK LLC | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.61% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.69% |
| DAVIS II COMPANIES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$6 | — | -$6 | -0.01% |
| HARRISON-DAVIS INC3 Filed as: HARRISON - DAVIS INC | 5426 BAY CENTER DR SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$11 | — | -$11 | -0.01% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 92 | $876K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $116K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $116K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $116K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $116K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $116K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 92 | $876K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.