| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARTON, FENSTERMAKER, TONDELLO3 | 1582 VILLAGE SQUARE BLVD TALLAHASSEE, FL 32309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $63K | — | $63K | 6.00% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 15.00% |
| BARTON, FENSTERMAKER, TONDELLO3 Filed as: BARTON FENSTERMAKER TONDELLO | 4458 LEGENDARY DRIVE, SUITE 350 DESTIN, FL 32541 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 5.69% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.00% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 15.00% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $131 | $2K | 11.52% |
| MEDICAL GROUP INSURANCE SERVICES3 | 1849 WEST NORTH TEMPLE SALT LAKE CITY, UT 84116 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $195 | $195 | 20.31% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $144 | — | $144 | 15.00% |
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 | 163 | 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. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 129 | $1.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $144K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $144K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $23K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $24K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $183K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.