| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEADING EDGE BENEFIT ADVISORS LLC3 Filed as: LEADING EDGE BENEFIT ADVISORS, LLC | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075665 | HEALTH OPTIONS | $24K | — | $24K | 5.00% |
| LEADING EDGE BENEFIT ADVISORS LLC3 Filed as: LEADING EDGE BENEFIT ADVISORS, LLC | 12450 BRANTLEY COMMONS CT. FORT MYERS, FL 33907 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $505 | $7K | 9.69% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.11% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 51 | $760K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $69K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $69K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $69K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.