| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEASIDE INSURANCE INC3 Filed as: SEASIDE INSURANCE, INC | 201 SOUTH ORANGE AVENUE, SUITE 250 ORLANDO, FL 32801 | HUMANA MEDICAL PLAN, INC. | $36K | $0 | $36K | 5.59% |
| SEASIDE INSURANCE INC3 Filed as: SEASIDE INSURANCE, INC | 201 SOUTH ORANGE AVENUE, SUITE 250 ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $6K | 12.76% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE ROAD ORLANDO, FL 32819 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.00% |
| HARRISON-DAVIS INC3 Filed as: HARRISON-DAVIS, INC. | 5426 BAY CENTER DRIVE TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43 | $0 | $43 | 0.09% |
| DAVIS II COMPANIES LLC3 | 5426 BAY CENTER DRIVE TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.02% |
| SEASIDE INSURANCE INC3 Filed as: SEASIDE INSURANCE | 201 SOUTH ORANGE AVENUE, SUITE 250 ORLANDO, FL 32801 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | $1K | $11K | 23.29% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 40 | $637K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $50K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $50K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 107 | $49K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 107 | $49K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 40 | $637K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.