| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN R STONER ORGANIZATION INC3 Filed as: JOHN PICKARD | 150 SECOND AVENUE NORTH SUITE 520 ST PETERSBURG, FL 33701 | AVMED HEALTH PLANS | $29K | $8K | $36K | 6.95% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC | PO BOX 3198 LITTLE ROCK, AR 72203 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $511 | $6K | 13.26% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC | 1 PROGRESS PLAZA SUITE 630 ST PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $474 | — | $474 | 1.13% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 6000 POPLAR AVE STE 300 MEMPHIS, TN 381190928 | HUMANA INSURANCE COMPANY | $4K | $251 | $4K | 10.17% |
| TEABERRY HEALTH & WELFARE BENEFITS3 | 1 PROGRESS PLAZA STE 630 ST PETERSBURG, FL 337014323 | HUMANA INSURANCE COMPANY | $58 | — | $58 | 0.15% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD ROGER INSURANCE INC | PO BOX 6090 CLEARWATER, FL 337586090 | HUMANA INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| HARRY M BARASH3 Filed as: HARRY M BARASCH | 2510 SUMMERDALE CT CLEARWATER, FL 33761 | COLONIAL LIFE | $350 | $26 | $376 | 4.73% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE | $192 | $102 | $294 | 3.70% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC | 6000 POPLAR AVE STE 300 MEMPHIS, TN 38119 | COLONIAL LIFE | $180 | — | $180 | 2.26% |
| MARK F BARRETT LLC3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE | $104 | $36 | $140 | 1.76% |
| CHOICE BENEFIT SOLUTIONS INC3 | 7408 VAN DYKE ROAD ODESSA, FL 33556 | COLONIAL LIFE | $101 | — | $101 | 1.27% |
| SUSANNE PAPA3 | 4750 STONEVIEW CIRCLE OLDSMAR, FL 34677 | COLONIAL LIFE | $99 | — | $99 | 1.25% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE | $48 | $1 | $49 | 0.62% |
| BRAYBOY & ASSOCIATES3 Filed as: BRAYBOY AND ASSOCIATES | 2965 ALT 19 PALM HARBOR, FL 34683 | COLONIAL LIFE | $42 | — | $42 | 0.53% |
| RONALD SADOFSKY3 | 2827 TORRANCE DRIVE LAND O LAKES, FL 34638 | COLONIAL LIFE | $26 | — | $26 | 0.33% |
| THOMAS WALLACE JR3 | PO BOX 3654 PONTE VEDRA, FL 32004 | COLONIAL LIFE | $10 | — | $10 | 0.13% |
| TERRY B DRAKE3 | 14141 46TH AVE N CLEARWATER, FL 33762 | COLONIAL LIFE | $7 | — | $7 | 0.09% |
| JODIE C MIGUES3 | 306 W MAIN ST NEW IBERIA, LA 70560 | COLONIAL LIFE | $6 | — | $6 | 0.08% |
| JOHN ANTHONY CARREIRO III3 Filed as: JOHN A CARREIRO II | 3026 LAKE PADGETT DR LAND OF LAKES, FL 34639 | COLONIAL LIFE | $5 | — | $5 | 0.06% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE | $1 | — | $1 | 0.01% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE GROUP | 400 KALISTE SALOOM ROAD SUITE 3000 LAFAYETTE, LA 70508 | ADVANTICA REINSURANCE COMPANY | $718 | — | $718 | 9.99% |
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) | AVMED HEALTH PLANS | 112 | $529K |
| Dental | HUMANA INSURANCE COMPANY | 73 | $37K |
| Vision | ADVANTICA REINSURANCE COMPANY | 77 | $7K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $50K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $50K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $42K |
| Prescription drug | AVMED HEALTH PLANS | 112 | $521K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $50K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.