| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC. | 2211 LEE RD STE 100 WINTER PARK, FL 32789 | HEALTH OPTIONS | $53K | $0 | $53K | 5.00% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC. | 2211 LEE RD STE 100 WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $51K | $0 | $51K | 5.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 2211 LEE RD STE 100 WINTER PARK, FL 32785 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $7K | $19K | 6.27% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 560 HARRISON AVE PANAMA CITY, FL 32401 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 4.74% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST 3RD FLOOR BOSTON, MA 02111 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 3.00% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC. | 2211 LEE RD STE 100 WINTER PARK, FL 327891849 | USABLE LIFE | $3K | $0 | $3K | 12.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $67 | $0 | $67 | 0.32% |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 117 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $309K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $309K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $330K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $309K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $309K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 117 | $2.1M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.