| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $12K | $54K | 12.20% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 N PALM HARBOR, FL 34683 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 7.78% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $338 | $338 | 0.12% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 N PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $7K | 3.33% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 4.49% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | $0 | $33K | 35.90% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL | 7301 6TH AVE N ST PETERSBERG, FL 33710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.91% |
| MICHELLE A BAUGHMAN3 Filed as: MICHELLE BAUGHMAN | 109 BAKER STREET BROUSSARD, LA 70518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $567 | $0 | $567 | 0.62% |
| DEBORAH JUNE CRISP3 Filed as: DEBORAH J CRISP-CALDWELL | 1432 WHITMAN DRIVE CONCORD, NC 28027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $394 | $0 | $394 | 0.43% |
| SHERRY DEAN HOMAN3 Filed as: SHERRY D HOMAN | 113 FLAGG BLVD BLDG 6 SUITE D LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | $0 | $149 | 0.16% |
| KEITH WILLIAM BELLE3 Filed as: KEITH BELLE | 113 FLAGG PL BLDG 60 LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | $0 | $83 | 0.09% |
| GWENDOLYN N BUTLER3 Filed as: GWENDOLYN BUTLER | 1440 D OLD LENOIR ROAD HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.06% |
| SUSAN HOOSIER3 | 9385 HWY 88W WARRENSVILLE, NC 38693 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.06% |
| JOSEPH DUCKETT3 | 13920 58TH STREET N 1002 CLEARWATER, FL 33760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.02% |
| TERESA L SELLS3 Filed as: TERESA SELLS | P.O. BOX 84 WEST JEFFERSON, NC 28694 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 N PALM HARBOR, FL 34683 | COMPBENEFITS | $4K | $0 | $4K | 9.26% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUTIE 1500 CLEVELAND, OH 44114 | COMPBENEFITS | $599 | $59 | $658 | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 PLAN SPONSOR | Contract Administrator Service code 13 | — | $514K |
| TASC EIN 39-1561025 FSA ADMIN | Contract Administrator Service code 13 | — | $16K |
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 | 898 | 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) | 898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 677 | $487K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 677 | $443K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 989 | $286K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 868 | $204K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 898 | $185K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 989 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 989 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.