| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE | 400 N TAMPA ST STE 1900 TAMPA, FL 33602 | BLUECROSS BLUESHIELD OF FLORIDA | $39K | $0 | $39K | 5.00% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS, INC. | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 34135 | BLUECROSS BLUESHIELD OF FLORIDA | $24K | $0 | $24K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE | 400 N TAMPA ST STE 1900 TAMPA, FL 33602 | BLUECROSS BLUESHIELD OF FLORIDA | $20K | $0 | $20K | 5.00% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS, INC. | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 34135 | BLUECROSS BLUESHIELD OF FLORIDA | $12K | $0 | $12K | 5.00% |
| DIGITAL INSURANCE LLC3 | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 34135 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 12.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE | PO BOX 2879 TAMPA, FL 33601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 4.61% |
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 | 112 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | BLUECROSS BLUESHIELD OF FLORIDA | 70 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $99K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $99K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $99K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $99K |
| Prescription drug(2 contracts) | BLUECROSS BLUESHIELD OF FLORIDA | 36 | $643K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.