| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 Filed as: LASSITER WARE INSURANCE, INC | 2701 MAITLAND CENTER PARKWAY MAITLAND, FL 32751 | CIGNA | $31K | — | $31K | 8.79% |
| LASSITER WARE3 Filed as: LASSITER-WARE INC | 2701 MAITLAND CENTER PKWY STE 110 MAITLAND, FL 32751 | THE GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 14.60% |
| G R S INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT COMPANY | $4K | $0 | $4K | 13.98% |
| SANDRA ECKER3 | 4005 DALE AVE NAPLES, FL 34112 | COLONIAL LIFE & ACCIDENT COMPANY | $478 | — | $478 | 1.84% |
| JULIET A BRUNO3 | 3926 COUNTRY CLUB BLVE CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT COMPANY | $408 | $0 | $408 | 1.57% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT COMPANY | $20 | $0 | $20 | 0.08% |
| THE BENEFITS SOURCE3 | 4411 BEE RIDGE RD SARASOTA, FL 34233 | COLONIAL LIFE & ACCIDENT COMPANY | $16 | — | $16 | 0.06% |
| DEBRA K VERMEER3 | 3193 SANDY RIDGE DRIVE CLEARWATER, FL 33761 | COLONIAL LIFE & ACCIDENT COMPANY | $13 | — | $13 | 0.05% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | COLONIAL LIFE & ACCIDENT COMPANY | $3 | — | $3 | 0.01% |
| MARK F BARRETT LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT COMPANY | — | — | $0 | 0.00% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT COMPANY | — | — | $0 | 0.00% |
| JARRET THOMAS HONAHAN3 | 7 HARBOR OAKS CIRCLE SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT COMPANY | — | — | $0 | 0.00% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 0 | $355K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 152 | $77K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 152 | $77K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 152 | $77K |
| Short-term disability | COLONIAL LIFE & ACCIDENT COMPANY | 294,026 | $26K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 294,026 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294,026 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.