| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS BROKER AGENTS* SEE ATTACHED3 | 14690 SPRING HILL DR SUITE 101 SPRING HILL, FL 34609 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $23K | — | $23K | 19.74% |
| VARIOUS BROKER AGENTS* SEE ATTACHED3 | 14690 SPRING HILL DR SUITE 101 SPRING HILL, FL 34609 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $12K | — | $12K | 19.76% |
| JAFFE TILCHIN WEALTH MANAGEMENT3 | 15350 N FLORIDA AVE TAMPA, FL 33613 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| VARIOUS BROKER AGENTS* SEE ATTACHED3 | 14690 SPRING HILL DR SUITE 101 SPRING HILL, FL 34609 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $1K | — | $1K | 26.18% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $23K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 247 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.