| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANIERUPSHAW3 | 1115 BARTOW ROAD LAKELAND, FL 33801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $49K | — | $49K | 5.00% |
| LANIERUPSHAW3 | 1115 US HIGHWAY 98 SOUTH LAKELAND, FL 33801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $5K | 8.84% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC. | 175 SOUTH THIRD STREET, SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $356 | — | $356 | 0.58% |
| HARRISON-DAVIS INC3 Filed as: HARRISON-DAVIS, INC. | UNKNOWN EATON PARK, FL 33840 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $75 | — | $75 | 0.12% |
| LANIERUPSHAW3 | 1115 BARTOW ROAD LAKELAND, FL 33801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $1K | $9K | 18.48% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $299 | $5 | $304 | 2.18% |
| LANIERUPSHAW3 | 1129 US 98 SOUTH LAKELAND, FL 33801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $273 | $2 | $275 | 1.97% |
| RONALD SADOFSKY3 | 13553 CREST LAKE DRIVE HUDSON, FL 34669 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.83% |
| Y. TRISTANCHO-HELWIG AND AGENTS3 | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $3 | $96 | 0.69% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS, INC. | 525 CAPRI BOULEVARD TREASURE ISLAND, FL 33706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.52% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 4921 PENNSBURY DRIVE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $1 | $73 | 0.52% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE, INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.33% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 97 | $986K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $61K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $61K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $63K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $49K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $49K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 97 | $986K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $63K |
| 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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.