| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 | 1317 CITIZENS BLVD LEESBURG, FL 34748 | THE GUARDIAN | $21K | $4K | $25K | 10.65% |
| BKS PARTNERS3 | 4211 BOUSCOUT RD TAMPA, FL 33607 | THE GUARDIAN | $17K | — | $17K | 7.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE | 1000 WINSTONE RD KNOXVILLE, TN 37901 | THE GUARDIAN | -$34 | — | -$34 | -0.01% |
| PHILLIP PORTER GOODRUM3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | THE GUARDIAN | -$49 | — | -$49 | -0.02% |
| PROPEL INSURANCE3 Filed as: PROPEL IMSURANCE AGENCY | 4400 PARK RD TACOMA, WA 98402 | THE GUARDIAN | -$119 | — | -$119 | -0.05% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATIONS | 4400 PARK RD ATE 311 CHARLOTTE, NC 28209 | THE GUARDIAN | -$221 | — | -$221 | -0.09% |
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 | 822 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN | 822 | $236K |
| Vision | THE GUARDIAN | 822 | $236K |
| Life insurance | THE GUARDIAN | 822 | $236K |
| Short-term disability | THE GUARDIAN | 822 | $236K |
| Long-term disability | THE GUARDIAN | 822 | $236K |
| Other | THE GUARDIAN | 822 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.