| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KITCHNER & PIERRO & COMPANY3 | 7020 PROFESSIONAL PKWY EAST 100 LAKEWOOD RANCH, FL 34240 | BLUE CROSS BLUE SHIELD OF FLORIDA | $61K | — | $61K | 3.00% |
| K&P BENEFITS CONSULTING GROUP3 | 7020 PROFESSIONAL PKWY STE100 LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 6.89% |
| KITCHNER & PIERRO & COMPANY3 | 7020 PRO PKWY EAST STE 200 BRADENTON, FL 34207 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 2.98% |
| AON CONSULTING INC Filed as: ALLSTATE | 3118 GULF TO BAY BLVD STE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 18.52% |
| NORGARD INSURANCE GROUP INC. Filed as: NORGARD CHAD MARTYN | 123 W BLOOMINGDALE AVE #387 BRANDON, FL 33511 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $466 | — | $466 | 2.45% |
| GL BENJAMIN INC Filed as: BENJAMIN GREG | 3118 GULF TO BAY BLVD STE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $465 | — | $465 | 2.45% |
| GANCITANO TARRA | 2881 GRAZELAND DR SARASOTA, FL 34240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $399 | — | $399 | 2.10% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | 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 | 188 | $2.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $223K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 144 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $223K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $291K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.