| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANIERUPSHAW3 | 1115 BARTOW ROAD LAKELAND, FL 33801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $47K | — | $47K | 5.00% |
| LANIERUPSHAW3 | 1115 US HIGHWAY 98 SOUTH LAKELAND, FL 33801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.32% |
| HARRISON-DAVIS INC3 Filed as: HARRISON-DAVIS INC. | 5426 BAY CENTER DRIVE, SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72 | — | $72 | 0.13% |
| LANIERUPSHAW3 | 1115 BARTOW ROAD LAKELAND, FL 33801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 15.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $277 | $277 | 0.52% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $320 | $27 | $347 | 2.69% |
| LANIERUPSHAW3 | 1129 US 98 SOUTH LAKELAND, FL 33801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $267 | — | $267 | 2.07% |
| MJ INSURANCE3 Filed as: STEVEN VERMETTE AND VARIOUS AGENTS | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $31 | $154 | 1.19% |
| RONALD SADOFSKY3 | 13553 CREST LAKE DRIVE HUDSON, FL 34669 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.91% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 5911 85TH TERRACE NORTH PINELLAS PARK, FL 33781 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $5 | $85 | 0.66% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS INC. | 525 CAPRI BOULEVARD TREASURE ISLAND, FL 33706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.58% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 LAND OLAKES, FL 34639 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $6 | $56 | 0.43% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $945K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $57K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $57K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $66K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $53K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $53K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $932K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.