| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINTE DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | — | $35K | 2.97% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 1.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN BONITA SPRINGS, FL 34135 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 4.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 10 SOUTH WACKER DRIVE, 17TH FLOOR CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINT DRIVE TAMPA BAY, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.06% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINTE DRIVE SUITE 400 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 3.05% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201629 DALLAS, TX 75320 | VISION SERVICE PLAN | $787 | — | $787 | 2.43% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | VISION SERVICE PLAN | $678 | — | $678 | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 18.35% |
| VANTAGE BENEFIT SOLUTIONS INC3 | 13065 NORTH TELECOM PARKWAY TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | — | $195 | 0.73% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.38% |
| HAROLD WILLIAM SCHUMAKER3 Filed as: HAROLD WILLIAM SHUMAKER | 827 SUNRIDGE POINT DRIVE SEFFNER, FL 33584 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JAN TINDER ENTERPRISES INC4 Filed as: JAN TINDER ENTERPRISES INC. | 6943 COHASSET CIRCLE RIVERVIEW, FL 33578 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $676 | — | $676 | 11.18% |
| BRITTANY NICOLE HUGHES4 | 1522 RUSHGROVE CIRCLE DOVER, FL 33527 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $238 | — | $238 | 3.94% |
| WALKER MARINE ENTERPRISES4 | 3507 BELLE VISTA DRIVE EAST SAINT PETE BEACH, FL 33706 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $44 | — | $44 | 0.73% |
| MARGARET JOHNSTON4 | 2755 VIA CAPRI, UNIT 1235 CLEARWATER, FL 33764 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $30 | — | $30 | 0.50% |
| WILLIAM T DIMSDALE4 Filed as: WILLIAM T. DIMSDALE | 2803 BRIANHOLLY DRIVE VALRICO, FL 33594 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $10 | — | $10 | 0.17% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 110 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $159K |
| Vision | VISION SERVICE PLAN | 123 | $32K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $159K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $159K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $159K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 110 | $1.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.