| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFITS SOLUTIONS | 3401 W CYPRESS ST, STE 103 TAMPA, FL 336075021 | HEALTH OPTIONS, INC | — | $68K | $68K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 7.00% |
| BRIAN WILHELM3 | 3401 W CYPRESS ST. STE 103 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.58% |
| RONALD WAYNE MOORE3 | 3401 W CYPRESS ST, STE. 10 TAMPA, FL 336075021 | PRINCIPAL LIFE INSURANCE COMPANY | $467 | — | $467 | 0.55% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFIT SOLUTIONS | 3401 W CYPRESS ST. STE 103 TAMPA, FL 336075021 | BCBS OF FLORIDA | — | $3K | $3K | 5.00% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 W CYPRESS ST, STE 103 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS Filed as: BOON-CHAPMAN B ADMINISTRATORS, INC | 9401 AMBERGLEN BLVD STE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 4.17% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFIT SOLUTIONS | 3401 W CYPRESS ST STE 103 TAMPA, FL 33607 | ADVANTICA INSURANCE COMPANY | — | $770 | $770 | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS OF FLORIDA INC | 9500 KOGER BLVD STE 200 ST. PETERSBURG, FL 33702 | ADVANTICA INSURANCE COMPANY | — | $385 | $385 | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN TPA | PO BOX 9039 AUSTIN, TX 78766 | ADVANTICA INSURANCE COMPANY | — | $385 | $385 | 5.00% |
| DAN YAARY Filed as: DAN B WHIGHAM, CLU | — | NATIONAL GUARDIANLIFE INSURANCE COMPANY | $8 | — | $8 | 1.02% |
| ELIZABETH SHARPTON | — | NATIONAL GUARDIANLIFE INSURANCE COMPANY | $8 | — | $8 | 1.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS Filed as: BOON-CHAPMAN | PO BOX 9201 AUSTIN, TX 787669201 | NATIONAL GUARDIANLIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 993 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $85K |
| Vision(2 contracts, 2 carriers) | ADVANTICA INSURANCE COMPANY | 207 | $8K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 290 | $25K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 290 | $25K |
| Prescription drug | HEALTH OPTIONS, INC | 175 | $1.4M |
| Other | BCBS OF FLORIDA | 4 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.