| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS AND ASSOCIATES | 300 AVENUE OF CHAMPIONS SUITE 240 PALM BEACH GARDENS, FL 33418 | BLUE CROSS BLUE SHIELD OF FLORIDA | $56K | — | $56K | 6.00% |
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS AND ASSOCIATES | 300 AVENUE OF CHAMPIONS SUITE 240 PALM BEACH GARDENS, FL 33418 | FLORIDA COMBINED LIFE | $4K | — | $4K | 5.73% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 600 SANDTREE DRIVE SUITE 208 PALM BEACH GARDENS, FL 33403 | FLORIDA COMBINED LIFE | $191 | — | $191 | 0.25% |
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS & ASSOC | 300 AVENUE OF THE CHAMPIONS SUITE 240 PALM BEACH GARDENS, FL 33418 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1661 WORTHINGTON ROAD SUITE 175 WEST PALM BEADCH, FL 33409 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.04% |
| RON SELLERS & ASSOCIATES INC3 | 300 AVENUE OF CHAMPIONS SUITE 240 PALM BEACH GARDENS, FL 33418 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 12.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1661 WORTHINGTON ROAD SUITE 175 WEST PALM BEACH, FL 33409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $653 | — | $653 | 2.64% |
| RON SELLERS & ASSOCIATES INC3 | 300 AVENUE OF CHAMPIONS SUITE 240 PALM BEACH GARDENS, FL 33418 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 12.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LFORIDA INC | 1661 WORTHINGTON ROAD SUITE 175 WEST PALM BEACH, FL 33409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $653 | — | $653 | 2.64% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 EAST TAFT STREET SAPULPA, OK 74066 | USABLE LIFE | $2K | — | $2K | 14.77% |
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS AND ASSOCIATES | 300 AVENUE OF THE CHAMPIONS SUITE 240 PALM BEACH GARDENS, FL 33418 | USABLE LIFE | $680 | — | $680 | 6.64% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 EAST TAFT STREET SAPULPA, OK 74066 | USABLE LIFE | $1K | — | $1K | 18.29% |
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS AND ASSOCIATES | 300 AVENUE OF CHAMPIONS SUITE 240 PALM BEACH GARDENS, FL 33418 | USABLE LIFE | $472 | — | $472 | 8.17% |
| EVERGREEN INSURANCE3 Filed as: EVERGREEN INSURANCE AGENCY, INC. | 583 105TH AVENUE NORTH UNIT 2 ROYAL PALM BEACH, FL 33411 | USABLE LIFE | $19 | — | $19 | 0.33% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 EAST TAFT STREET SAPULPA, OK 74066 | USABLE LIFE | $384 | — | $384 | 10.63% |
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS AND ASSOCIATES | 300 AVENUE OF CHAMPIONS SUITE 240 PALM BEACH GARDENS, FL 33418 | USABLE LIFE | $176 | — | $176 | 4.87% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 131 | $933K |
| Dental | FLORIDA COMBINED LIFE | 145 | $78K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $67K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $117K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $67K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $67K |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.