| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC-GULFSHORE | 4100 GOODLETTE RD N STE 100 NAPLES, FL 34103 | BLUE CROSS BLUE SHIELD OF FLORIDA | $49K | — | $49K | 5.00% |
| ACRISURE LLC3 | 4100 GOODLETTE RD NORTH SUITE 100 NAPLES, FL 34103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $22K | 9.66% |
| ACRISURE LLC3 Filed as: ACRISURE LLC-GULFSHORE | 4100 GOODLETTE RD N STE 100 NAPLES, FL 34103 | HEALTH OPTIONS, INC | $9K | — | $9K | 5.00% |
| ACRISURE LLC3 | DBA GULFSHORE INSURANCE NAPLES, FL 34103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 13.58% |
| JOHN ANTHONY CARREIRO III3 | PO BOX 41495 SAINT PETERSBURG, FL 33743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 8.46% |
| CHOICE BENEFITS SOLUTIONS LLC3 | PO BOX 41495 ST PETERSBURG, FL 33743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 8.03% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $256 | $2K | 3.46% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $980 | $312 | $1K | 2.58% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR, STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $771 | $285 | $1K | 2.11% |
| JAQUELYN LORETTA CARTER3 | 4416 LARKFIELD LANE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $403 | $15 | $418 | 0.83% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.20% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $46 | $92 | 0.18% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $26 | $72 | 0.14% |
| SUSANNE PAPA3 | 4750 STONEVIEW CIRCLE OLD SMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.07% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 Filed as: OWENS EMPLOYEE BENEFITS OF FL | 13650 FIDDLESTICKS BLVD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | 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 | 104 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $231K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $231K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $231K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $231K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $231K |
| Prescription drug | HEALTH OPTIONS, INC | 22 | $171K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.