| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | HEALTH OPTIONS, INC. | $31K | $0 | $31K | 6.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | $0 | $22K | 6.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 240 SOUTH PINEAPPLE AVENUE SUITE 301 SARASOTA, FL 34236 | USABLE LIFE | $18K | $0 | $18K | 21.59% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | $0 | $2K | 2.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | FLORIDA COMBINED LIFE | $7K | $0 | $7K | 13.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 16.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 240 SOUTH PINEAPPLE AVENUE SUITE 301 SARASOTA, FL 34236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27 | $2K | $2K | 15.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $551 | $0 | $551 | 3.80% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 73 | $783K |
| Dental | FLORIDA COMBINED LIFE | 137 | $50K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $14K |
| Life insurance | USABLE LIFE | 163 | $83K |
| Short-term disability | USABLE LIFE | 163 | $83K |
| Long-term disability | USABLE LIFE | 163 | $83K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 73 | $783K |
| Other | USABLE LIFE | 163 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.