| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANIER UPSHAW, INC.3 | 1115 BARTOW RD LAKELAND, FL 33801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $47K | — | $47K | 5.00% |
| LANIER UPSHAW, INC.3 | 1115 US HIGHWAY 98 SOUTH SOUTH LAKELAND, FL 33801 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 8.77% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DRIVE SUITE 550 TAMPA, FL 33609 | GUARDIAN LIFE INSURANCE COMPANY | $61 | — | $61 | 0.11% |
| DAVIS II COMPANIES LLC3 | 5426 BAY CENTER DR TAMPA, FL 33609 | GUARDIAN LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC | 1115 BARTOW RD LAKELAND, FL 33801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 13.68% |
| LANIER UPSHAW, INC.3 | 1115 BARTOW RD LAKELAND, FL 33801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 5.00% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET N SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $261 | $2K | 13.16% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR. LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $447 | $115 | $562 | 4.10% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC | 1115 US HWY 98 SOUTH LAKELAND, FL 33801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | — | $405 | 2.95% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $35 | $275 | 2.01% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $80 | $146 | 1.07% |
| RONALD SADOFSKY3 | 13553 CREST LAKE DR. HUDSON, FL 34669 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.69% |
| CHOICE BENEFIT SOLUTIONS INC3 | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.46% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE, INC | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.29% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.24% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.14% |
| TRILOGY BENEFITS CONSULTING LLC3 Filed as: TRILOGY BENEFITS CONSULTING, LLC | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 85 | $996K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 96 | $56K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 96 | $56K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $67K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $53K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $53K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $67K |
| 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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.