| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRP CORP DBA ACENTRIA OMS3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | BLUEOPTIONS | $72K | — | $72K | 4.90% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 10.02% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DR STE 201 ORLANDO, FL 32821 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.00% |
| THE STEWART AGENCY3 Filed as: STEWART ROSS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 17.54% |
| AMANDA M GRIFFITH3 Filed as: AMANDA VIOLAND | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.59% |
| KATHERINE BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.89% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN SWAFFER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.43% |
| JOHAN BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.38% |
| MALLORY HERT LAKEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $242 | — | $242 | 0.50% |
| LISA A PERRI3 Filed as: LISA POTISH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $85 | — | $85 | 0.18% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE KING | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $36 | — | $36 | 0.07% |
| KENDALL CLENNEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $30 | — | $30 | 0.06% |
| ANGELA MASSARELLI3 Filed as: ANGELA ISAACS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING REDNER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| ALVIN J LILLEY3 Filed as: ALVIN TAYLOR JR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| DAVID BOWDEN AGY INC3 | 625 COMMERCE DR STE 204 LAKELAND, FL 33813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.24% |
| E D SKIPPER & ASSOC INC3 | 625 COMMERCE DR STE 204 LAKELAND, FL 33813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151 | — | $151 | 1.22% |
| KENDALL CLENNEY3 | 737 POWDER HORN ROW LAKELAND, FL 33809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.52% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUEOPTIONS | 138 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $63K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $63K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $123K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 12 | $12K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 12 | $12K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 12 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.