| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID FOSTER3 Filed as: DAVID M FOSTER | 3331 ST JOHNS AVENUE SUITE 550 JACKSONVILLE, FL 32205 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICCA | $228K | $0 | $228K | 15.37% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICCA | $68K | $5K | $73K | 4.95% |
| DAVID FOSTER3 Filed as: DAVID M FOSTER | 3331 ST JOHNS AVENUE JACKSONVILLE, FL 32205 | WESTPORT INSURANCE CORPORATION | $78K | $0 | $78K | 5.30% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLDEDO, OH 43604 | WESTPORT INSURANCE CORPORATION | $78K | $0 | $78K | 5.30% |
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 | 1,043 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FLORIDA BLUE | 830 | $4.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICCA | 1,043 | $1.5M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICCA | 1,043 | $1.5M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICCA | 1,043 | $1.5M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICCA | 1,043 | $1.5M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICCA | 1,043 | $1.5M |
| Prescription drug(2 contracts, 2 carriers) | FLORIDA BLUE | 1,043 | $6.3M |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 777 | $1.5M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICCA | 1,043 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,043 | — |
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."
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.