| 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 | $67K | — | $67K | 6.00% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA | 2290 LAKE LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.03% |
| BARTON, FENSTERMAKER, TONDELLO3 Filed as: BARTON FENSTERMAKER TONDELLO | 4458 LEGENDARY DRIVE, SUITE 350 DESTIN, FL 32541 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.82% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA | 220 SO RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $125 | — | $125 | 0.08% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.00% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 15.00% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $120 | $2K | 10.69% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $198 | — | $198 | 15.02% |
| MGIS3 | 10 WEST BROADWAY, SUITE 800 SALT LAKE CITY, UT 841012100 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 13.66% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 133 | $1.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $155K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $155K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $27K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 93 | $28K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $214K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.