| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMS INSURANCE GROUP3 | PO BOX 2 LAKELAND, FL 33815 | CIGNA | — | $95K | $95K | 5.68% |
| RISK STRATEGIES COMPANY3 Filed as: FOUDNATION RISK PARTNERS CORP | 26 LAKE WIRE DR LAKELAND, FL 33815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 18.84% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE RD ORLANDO, FL 32819 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.00% |
| KATHERINE BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.43% |
| JOHAN BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $719 | — | $719 | 1.42% |
| LISA A PERRI3 Filed as: LISA POTISH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $113 | — | $113 | 0.22% |
| KENDALL CLENNEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $76 | — | $76 | 0.15% |
| THE STEWART AGENCY3 Filed as: STEWART ROSS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $62 | — | $62 | 0.12% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE KING | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $55 | — | $55 | 0.11% |
| ALVIN J LILLEY3 Filed as: ALVIN TAYLOR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $32 | — | $32 | 0.06% |
| THOMAS W BOSTON3 Filed as: THOMAS CARAWAY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| ANGELA MASSARELLI3 Filed as: ANGELA ISAACS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING REDNER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| DAVID R BOWDEN AGY INC3 Filed as: DAVID R BOWDEN AGENCY | 625 COMMERCE DR STE 204 LAKELAND, FL 33813 | ALLSTATE BENEFITS | $2K | — | $2K | 14.42% |
| CLENNEY KENDALL ROY3 | 737 POWDER HORN ROW LAKELAND, FL 33809 | ALLSTATE BENEFITS | $324 | — | $324 | 1.92% |
| E D SKIPPER & ASSOC INC3 Filed as: E D SKIPPER & ASSOC | 625 COMMERCE DR SUITE 204 LAKELAND, FL 33813 | ALLSTATE BENEFITS | $309 | — | $309 | 1.83% |
| MICHAEL H WIGGS & ASSOCIATES3 | 8304 BOB WIGGS AVE LITHIA, FL 33547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 4.53% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 166 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $75K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $75K |
| Life insurance(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $144K |
| Short-term disability(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 18 | $18K |
| Other | ALLSTATE BENEFITS | 18 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.