| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POPPELL INSURANCE, INC.3 Filed as: POPPELL INSURANCE INC | 503 W DR MARTIN LUTHER KING JR BLVD PLANT CITY, FL 335635217 | BLUE CROSS BLUE SHIELD OF FLORIDA | $56K | — | $56K | 5.00% |
| POPPELL INSURANCE, INC.3 Filed as: POPPELL INSURANCE INC | 503 W MARTIN LUTHER KING BLVD PLANT CITY, FL 33564 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.14% |
| VARIOUS - SEE ATTACHED3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $21 | $5K | 14.14% |
| POPPELL INSURANCE, INC.3 Filed as: POPPELL INSURANCE INC | 503 W MARTIN LUTHER KING BLVD PLANT CITY, FL 33563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| POPPELL INSURANCE, INC.3 Filed as: POPPELL INSURANCE INC | 503 W MARTIN LUTHER KING BLVD PLANT CITY, FL 33563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| POPPELL INSURANCE, INC.3 Filed as: POPPELL INSURANCE INC | 503 W MARTIN LUTHER KING BLVD PLANT CITY, FL 33563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| POPPELL INSURANCE, INC.3 Filed as: POPPELL INSURANCE INC | 503 W MARTIN LUTHER KING BLVD PLANT CITY, FL 33563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $955 | — | $955 | 10.00% |
| R L ROBINSON & ASSOCIATES, INC.4 | 1141 FLAMINGO DR AUSTELL, GA 30168 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $878 | — | $878 | 19.50% |
| WENDY WILKERSON4 | #127 400 N. PARK AVE., #10-B BRECKENRIDGE, CO 80424 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $15 | — | $15 | 0.33% |
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 | 199 | 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) | 199 | 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 | 94 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $64K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $64K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 199 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $10K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 199 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.