| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS DIVISION, INC3 | 125 S. SWOOPE AVE. STE 210 MAITLAND, FL 327515784 | BLUE CROSS BLUE SHIELD OF FLORIDA | $30K | — | $30K | 5.00% |
| BENEFITS DIVISION, INC3 | 125 S. SWOOPE AVE. STE 210 MAITLAND, FL 327515784 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 5.00% |
| MARKS S METTILLE3 Filed as: MARKS METTILLE | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 8.00% |
| SIHLE INSURANCE GROUP INC3 Filed as: SIHLE INSURANCE GRP INC | 1021 DOUGLAS AVENUE ALTAMONTE SPRINGS, FL 32714 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.67% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL | 10923 COUNTRYWAL BLVD TAMPA, FL 33626 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.80% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 129 | $841K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $129K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $129K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $129K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $129K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 129 | $841K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.