| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 33414 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 4.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP. | 2727 ELEANOR WAY WELLINGTON, FL 33414 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 4.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 9 DEL PRADO BLVD N SUITE 3 CAPE CORAL, FL 33909 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.68% |
| HARRISON-DAVIS INC3 Filed as: HARRISON-DAVIS, INC | 5426 BAY CENTER DRIVE SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $112 | — | $112 | 0.21% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 33414 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | — | $1K | $1K | 11.46% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORPORATION | 2727 ELEANES WAY WELLINGTON, FL 33414 | ADVANTICA INSURANCE COMPANY | $703 | — | $703 | 10.00% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 97 | $808K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $53K |
| Vision | ADVANTICA INSURANCE COMPANY | 105 | $7K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $64K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 97 | $808K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.