| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 | 1317 CITIZENS BLVD LEESBURG, FL 34748 | HEALTH OPTIONS INC | $16K | $0 | $16K | 2.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA OKWY STE1950 ATLANTA, GA 30339 | HEALTH OPTIONS INC | $12K | $0 | $12K | 1.97% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD CONSULTANTS | 10923 COUNTRYWAY BLVD TAMPA, FL 33626 | HEALTH OPTIONS INC | $6K | $0 | $6K | 0.97% |
| LASSITER WARE3 | 1317 CITIZENS BLVD LEESBURG, FL 34748 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | $0 | $4K | 2.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 1.81% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD CONSULTANTS | 10923 COUNTRY WAY BLVD TAMPA, FL 33626 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 0.87% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 560 HARRISON AVE PANAMA CITY, FL 32401 | THE GUARDIAN | $2K | $744 | $3K | 4.79% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE1950 ATLANTA, GA 30333 | THE GUARDIAN | $1K | $697 | $2K | 3.38% |
| LASSITER WARE3 | 1317 CITIZENS BLVD LEESBURG, FL 34748 | THE GUARDIAN | $1K | $0 | $1K | 2.55% |
| DEREK GIACOMAZZI3 | 18753 MAPLEWOOD LANE NORTHRIDGE, CA 91326 | UNUM LIFE INSURANCE COMPANY | $3K | $513 | $4K | 12.46% |
| WILLIAM BRANDT3 | 2093 E 11TH ST STE 200 LOVELAND, CO 80537 | UNUM LIFE INSURANCE COMPANY | $872 | — | $872 | 2.72% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 70 | $769K |
| Dental | THE GUARDIAN | 100 | $56K |
| Vision | THE GUARDIAN | 100 | $56K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 123 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 123 | $32K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 70 | $769K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.