| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 Filed as: LASSITER WARE INC | P.O. BOX 490690 LEESBURG, FL 347490690 | BLUE CROSS BLUE SHIELD OF FLORIDA | $23K | — | $23K | 4.00% |
| LASSITER WARE3 Filed as: LASSITER WARE INC | P.O. BOX 490690 LEESBURG, FL 347490690 | HEALTH OPTIONS | $9K | — | $9K | 4.00% |
| LASSITER WARE3 Filed as: LASSITER-WARE INC | 2701 MAITLAND CENTER PKWY STE 110 MAITLAND, FL 32751 | THE GUARDIAN LIFE INSURANCE COMPANY | $8K | $822 | $9K | 10.99% |
| G R S INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT COMPANY | $4K | $680 | $5K | 18.83% |
| JULIET A BRUNO3 | 3926 COUNTRY CLUB BLVE CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT COMPANY | $675 | $42 | $717 | 2.96% |
| SANDRA ECKER3 | 4005 DALE AVE NAPLES, FL 34112 | COLONIAL LIFE & ACCIDENT COMPANY | $177 | — | $177 | 0.73% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT COMPANY | $26 | $52 | $78 | 0.32% |
| THE BENEFITS SOURCE3 | 4411 BEE RIDGE RD SARASOTA, FL 34233 | COLONIAL LIFE & ACCIDENT COMPANY | $75 | — | $75 | 0.31% |
| DEBRA K VERMEER3 | 3193 SANDY RIDGE DRIVE CLEARWATER, FL 33761 | COLONIAL LIFE & ACCIDENT COMPANY | $56 | $5 | $61 | 0.25% |
| MARK F BARRETT LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT COMPANY | $26 | $24 | $50 | 0.21% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | COLONIAL LIFE & ACCIDENT COMPANY | $26 | $7 | $33 | 0.14% |
| JARRET THOMAS HONAHAN3 | 7 HARBOR OAKS CIRCLE SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT COMPANY | $15 | $8 | $23 | 0.09% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT COMPANY | $10 | $10 | $20 | 0.08% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 79 | $804K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 146 | $83K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 146 | $83K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 146 | $83K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 79 | $804K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 146 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.