| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DR TAMPA, FL 33625 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $720 | $720 | 0.21% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 336075752 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $7K | $23K | 16.22% |
| STEPHEN LEON GIONIS3 | 11305 MINARET DR TAMPA, FL 33626 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.98% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 14.87% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DR TAMPA, FL 33625 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $50 | $50 | 0.21% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DR TAMPA, FL 33625 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $19 | $19 | 0.21% |
| BALWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.01% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 97 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $143K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $143K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $9K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $349K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 97 | $1.7M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 198 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
No prospect flags tripped on this filing.