| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C G ELIAS & CO3 | 2555 ENTERPRISE BLVD W3 CLEARWATER, FL 33763 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 4.92% |
| CASE BENEFIT CONSULTANTS3 Filed as: CASE BENEFIT CONSULTANTS LLC | 4760 TAMIAMI TRAIL N #25 NAPLES, FL 34103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 10.52% |
| ADVANTAGE GROUP INC.3 Filed as: ADVANTAGE GROUP | 2555 ENTERPRISE RD #11-3 CLEARWATER, FL 33763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.48% |
| GCD INSURANCE CONSULTANTS INC3 | 10923 COUNTRYWAY BLVD TAMPA, FL 33626 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.90% |
| CASE BENEFIT CONSULTANTS3 Filed as: CASE BENEFIT CONSULTANTS LLC | 4760 TAMIAMI TRAIL N #25 NAPLES, FL 34103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.56% |
| ADVANTAGE GROUP INC.3 Filed as: ADVANTAGE GROUP | 2555 ENTERPRISE RD #11-3 CLEARWATER, FL 33763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.44% |
| GCD INSURANCE CONSULTANTS INC3 | 10923 COUNTRYWAY BLVD TAMPA, FL 33626 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $913 | $913 | 0.78% |
| CASE BENEFIT CONSULTANTS3 Filed as: CASE BENEFIT CONSULTANTS LLC | 4760 TAMIAMI TRAIL N #25 NAPLES, FL 34103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.31% |
| ADVANTAGE GROUP INC.3 Filed as: ADVANTAGE GROUP | 2555 ENTERPRISE RD #11-3 CLEARWATER, FL 33763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.69% |
| GCD INSURANCE CONSULTANTS INC3 | 10923 COUNTRYWAY BLVD TAMPA, FL 33626 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $995 | $995 | 0.88% |
| CASE BENEFIT CONSULTANTS3 Filed as: CASE BENEFIT CONSULTANTS LLC | 4760 TAMIAMI TRAIL N #25 NAPLES, FL 34103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.84% |
| ADVANTAGE GROUP INC.3 Filed as: ADVANTAGE GROUP | 2555 ENTERPRISE RD #11-3 CLEARWATER, FL 33763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.16% |
| GCD INSURANCE CONSULTANTS INC3 | 10923 COUNTRYWAY BLVD TAMPA, FL 33626 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $294 | $294 | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $254K |
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 | 851 | 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) | 851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 645 | $165K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 851 | $191K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 366 | $117K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $113K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 851 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 851 | — |
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.