| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 3150 MIAMI GREEN WAY, 9TH FLOOR CORAL GABLES, FL 33146 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $81K | $32K | $113K | 10.80% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 10923 COUNTRYWAL BOULEVARD TAMPA, FL 33626 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $12K | $43K | 4.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $155K | $0 | $155K | 16.16% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE, 8TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $146K | $0 | $146K | 15.22% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $8K | $0 | $8K | 0.83% |
| LUTHER CHANDLER3 | 756 SOUTH SUMAC GARDNER, KS 66030 | TRUSTMARK INSURANCE COMPANY | $235 | $0 | $235 | 0.02% |
| ROBIN BEHREND3 | 7434 STONE ROAD PORT RICHEY, FL 34668 | TRUSTMARK INSURANCE COMPANY | $157 | $0 | $157 | 0.02% |
| SELDEN BEATTIE, INC.3 | 7301 SW 57TH COURT, SUITE 530 MIAMI, FL 33143 | AVMED | $14K | $0 | $14K | 1.98% |
| SELDEN BEATTIE, INC.3 | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $35K | $0 | $35K | 9.89% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENNINSULA CORPORATION CIRCLE SUITE 1005 BOCA ROTAN, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $34K | $0 | $34K | 9.81% |
| THE SOUTHERN REGIONS, LLC3 | 73133 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $19K | $0 | $19K | 5.46% |
| SELDEN BEATTIE, INC.3 | 3150 SW 38TH AVENUE, SUITE 901 SUITE 901 CORAL GABLES, FL 33416 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| SELDEN BEATTIE, INC.3 | 3150 SW 38TH AVENUE CORAL GABLES, FL 33416 | PREFERRED LEGAL | $3K | $0 | $3K | 17.17% |
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 | 1,374 | 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) | 1,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 139 | $730K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,318 | $1.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,318 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,318 | $2.0M |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 1,018 | $959K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $77K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,318 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,318 | — |
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.
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.