| 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 | $36K | — | $36K | 4.89% |
| LANIER UPSHAW, INC.3 | 1115 BARTOW RD LAKELAND, FL 33801 | HEALTH OPTIONS | $8K | — | $8K | 4.58% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNER | 1115 US HIGHWAY 98 SOUTH LAKELAND, FL 33801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.92% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 1115 US HIGHWAY 98 SOUTH LAKELAND, FL 33801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 2.28% |
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA ST STE 200 MCKINNEY, TX 75069 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $158 | — | $158 | 0.33% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DR STE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28 | — | $28 | 0.06% |
| DAVIS II COMPANIES LLC3 | 5426 BAY CENTER DR TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.03% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC. | 1115 BARTOW RD LAKELAND, FL 33801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC. | 1115 BARTOW RD LAKELAND, FL 33801 | THE NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $13 | $342 | 2.75% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC | 1115 US HWY 98 SOUTH LAKELAND, FL 33801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | $1 | $267 | 2.14% |
| RONALD SADOFSKY3 | 13553 CREST LAKE DR HUDSON, FL 34669 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.80% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH ST N SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $5 | $93 | 0.75% |
| CHOICE BENEFIT SOLUTIONS INC3 | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.52% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $5 | $65 | 0.52% |
| STEVE VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.33% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE ST ST PETERSBURG, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $18 | $37 | 0.30% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH ST NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.27% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.14% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DR 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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 67 | $741K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $47K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $47K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $29K |
| Long-term disability | THE NATIONAL LIFE INSURANCE COMPANY | 129 | $16K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.