| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANKLIN LENTZ JR3 | 635 NE 1ST STREET GAINESVILLE, FL 32601 | BLUE CROSS BLUE SHIELD OF FLORIDA | $28K | $0 | $28K | 4.00% |
| FRANKLIN LENTZ JR3 | 635 NE 1ST STREET GAINESVILLE, FL 32601 | HEALTH OPTIONS, INC. | $13K | $0 | $13K | 4.00% |
| FRANKLIN LENTZ3 | 635 NE 1ST STREET GAINESVILLE, FL 32601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.06% |
| HARRISON SWANN LLC3 | 3664 COOLIDGE COURT TALLAHASEE, FL 32311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $278 | $0 | $278 | 0.38% |
| FRANKLIN LENTZ3 | 2550 SW 76TH STREET SUITE 110 GAINESVILLE, FL 32605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 20.00% |
| FRANKLIN LENTZ3 | 2550 SW 76TH STREET SUITE 110 GAINESVILLE, FL 32605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 30.13% |
| FRANKLIN LENTZ3 | 2550 SW 76TH STREET SUITE 110 GAINESVILLE, FL 32605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 30.09% |
| FRANKLIN LENTZ3 | 2550 SW 76TH STREET SUITE 110 GAINESVILLE, FL 32605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $532 | $0 | $532 | 5.00% |
| FRANKLIN LENTZ3 | 2550 SW 76TH STREET SUITE 110 GAINESVILLE, FL 32605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $367 | $0 | $367 | 20.01% |
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 | 112 | 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) | 112 | 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 | 74 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $73K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $73K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $52K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 37 | $36K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 35 | $31K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.