| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTED ADVISORS GROUP LLC3 Filed as: TRUSTED ADVISORS GOUP, LLC | 1337 OAKFIELD DR BRANDON, FL 335114841 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 2.49% |
| STEVEN M SCHWABE3 | 5708 TIDES PL APOLLO BEACH, FL 335723309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 2.08% |
| LAROCCA & ASSOC, INC3 Filed as: LAROCCA & ASSOCIATION, INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDEDALE, FL 333086262 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 0.43% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 176 | $862K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 176 | $862K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.