| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW MICHAEL CARVO3 | 221 NW 108TH AVE CORAL SPRINGS, FL 33071 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | $0 | $39K | 5.00% |
| HYLANT GROUP INC3 | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 15.31% |
| ANNE BORNGESSER3 | 811 MADISON AVE TOLEDO, OH 43604 | STANDARD LIFE AND ACCIDENT | $6K | $0 | $6K | 9.99% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $3K | $0 | $3K | 5.00% |
| CHRISTY PERSONS3 | 19220 PERSONS ROAD MOSS POINT, MS 39562 | STANDARD LIFE AND ACCIDENT | $2K | $0 | $2K | 3.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $901 | $8K | 16.94% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 129 | $838K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $66K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $66K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $46K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 129 | $780K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
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.