| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.L. GLISON & ASSOC INC3 | 11161 E. STATE ROAD 70 SUITE 110-144 BRADENTON, FL 34202 | GUARDIAN | $19K | — | $19K | 9.36% |
| DAVIS II COMPANIES LLC3 Filed as: DAVIS II COMPANIES, LLC | 7288 HANOVER GREEN DRIVE STE A MECHANICSVILLE, VA 231111709 | GUARDIAN | $67 | — | $67 | 0.03% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 4.88% |
| PAT WILLIAMS INSURANCE CONSULTANTS3 | 18201 GULF BLVD REDINGTON SHORES, FL 33708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.22% |
| SHIRLEY B DRAKE3 | 14141 46TH ST N CLEARWATER, FL 33762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 NONE | Contract Administrator Service code 13 | — | $244K |
| HEALTH OPTIONS INC EIN 59-2403696 NONE | Contract Administrator Service code 13 | — | $39K |
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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 363 | $206K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 363 | $207K |
| Long-term disability | GUARDIAN | 363 | $206K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 368 | $1.1M |
| Other | GUARDIAN | 363 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.