| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 Filed as: LASSITER WARE INC | P.O. BOX 490690 LEESBURG, FL 347490690 | BLUE CROSS BLUE SHIELD OF FLORIDA | $53K | — | $53K | 4.00% |
| LASSITER WARE3 Filed as: LASSITER WARE INSURANCE | 2701 MAITLAND CENTER PKWY STE 110 MAITLAND, FL 32751 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $16K | 15.18% |
| LASSITER WARE3 Filed as: LASSITER WARE INSURANCE | 2701 MAITLAND CENTER PKWY STE 110 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $930 | $5K | 12.52% |
| LASSITER WARE3 Filed as: LASSITER WARE INSURANCE | 2701 MAITLAND CENTER PKWY STE 110 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $922 | $5K | 12.50% |
| LASSITER WARE3 Filed as: LASSITER WARE INSURANCE | 2701 MAITLAND CENTER PKWY STE 110 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $622 | $3K | 12.48% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $938 | $279 | $1K | 14.93% |
| ADAM WILSON GINSBERG3 | 2536 MANORCA AVE NAPLES, FL 34112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 2.65% |
| CAROL M JACQUES3 | 143 TIMROD TRIAL GLASTONBURY, CT 06033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.47% |
| B & B INSURANCE SOLUTIONS INC3 | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.20% |
| DAVID L FLEURY3 | 545 SOUTH MAIN ST PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| BRIAN STEBBINS3 | 150 LOWER WESTFIELD DRIVE HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| LASSITER WARE3 Filed as: LASSITER WARE INSURANCE | PO BOX 490690 LEESBURG, FL 34749 | UNUM LIFE COMPANY OF AMERICA | $835 | — | $835 | 15.73% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 120 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $104K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 120 | $1.3M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.