| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4904 EISENHOWER BOULEVARD SUITE 250 TAMPA, FL 33634 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 8.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET STUDIO N-108 ATLANTA, GA 30318 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $7K | 5.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 300001 TAMPA, FL 33630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $329 | $0 | $329 | 7.27% |
| STEPHANIE SHEPPA3 | 3687 IMPERIAL RIDGE PARKWAY PALM HARBOR, FL 34684 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $3 | $83 | 1.84% |
| MJ INSURANCE3 Filed as: PATMAR GROUP AND VARIOUS AGENTS | 13214 88TH PLACE NORTH SEMINOLE, FL 33776 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $4 | $57 | 1.26% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY B. DRAKE | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 1.22% |
| JOHN R STONER ORGANIZATION INC3 Filed as: JOHN R. STONER ORGANIZATION, INC. | 700 CENTRAL AVENUE SAINT PETERSBERG, FL 33701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.40% |
| MARK F BARRETT LLC3 Filed as: MARK F. BARRETT, LLC | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.22% |
| EMMA ANN DEAN3 | 350 SOUTH BELVEDERE DRIVE HAMPSTEAD, NC 28443 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.22% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 323 | $118K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 323 | $118K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 323 | $118K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 323 | $118K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 323 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.