| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 2502 NORTH ROCKY POINTE DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $47K | — | $47K | 4.50% |
| WELLS FARGO INSURANCE SERVICES3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 4.50% |
| WELLS FARGO INSURANCE SERVICES3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 7.79% |
| WELLS FARGO INSURANCE SERVICES3 | 2502 NORTH ROCKY POINTE DRIVE SUITE 400 TAMPA, FL 33607 | HEALTH OPTIONS | $3K | — | $3K | 4.50% |
| WELLS FARGO INSURANCE SERVICES3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.72% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203334 DALLAS, TX 75320 | VISION SERVICE PLAN | $1K | — | $1K | 4.65% |
| WELLS FARGO INSURANCE SERVICES3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 4.50% |
| WELLS FARGO INSURANCE SERVICES3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 19.26% |
| VANTAGE BENEFIT SOLUTIONS INC3 | 13065 NORTH TELECOM PARKWAY TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $212 | — | $212 | 1.03% |
| HAROLD WILLIAM SCHUMAKER3 Filed as: HAROLD WILLIAM SHUMAKER | 3238 ORCHARD DRIVE PALM HARBOR, FL 34684 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203334 DALLAS, TX 75320 | VISION SERVICE PLAN | $667 | — | $667 | 6.34% |
| JAN TINDER ENTERPRISES INC4 Filed as: JAN TINDER ENTERPRISES INC. | 6943 COHASSET CIRCLE RIVERVIEW, FL 33578 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $584 | — | $584 | 12.12% |
| BRITTANY NICOLE HUGHES4 | 1534 BLUE MAGNOLIA ROAD BRANDON, FL 33510 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $105 | — | $105 | 2.18% |
| WALKER MARINE ENTERPRISES4 | 3507 BELLE VISTA DRIVE EAST SAINT PETE BEACH, FL 33706 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $37 | — | $37 | 0.77% |
| MARGARET JOHNSTON4 | 2755 VIA CAPRI, UNIT 1235 CLEARWATER, FL 33764 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $33 | — | $33 | 0.69% |
| WILLIAM T DIMSDALE4 Filed as: WILLIAM T. DIMSDALE | 2803 BRIANHOLLY DRIVE VALRICO, FL 33594 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $22 | — | $22 | 0.46% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 109 | $1.5M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $228K |
| Vision(2 contracts) | VISION SERVICE PLAN | 122 | $41K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $228K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $228K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $228K |
| Prescription drug(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 109 | $1.5M |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.