| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143419 | HEALTH OPTIONS, INC | $44K | — | $44K | 5.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143419 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 5.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143419 | FLORIDA COMBINED LIFE | $2K | — | $2K | 9.14% |
| FB HANCOCK,AARON & LUCAS MAGGIE3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | — | $2K | 7.82% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143410 | FLORIDA COMBINED LIFE | $1K | — | $1K | 8.67% |
| 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 | $2K | — | $2K | 13.00% |
| HARRISON-DAVIS INC3 Filed as: HARRISON-DAVIS, INC | 5426 BAY CENTER DRIVE SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.13% |
| DAVIS II COMPANIES LLC3 | 5426 BY CENTER DR. TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.07% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORPORATION | 2727 ELEANES WAY WELLINGTON, FL 33414 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $649 | — | $649 | 10.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORPORATION | 2727 ELEANES WAY WELLINGTON, FL 33414 | USABLE LIFE | $482 | — | $482 | 7.92% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 33414 | USABLE LIFE | $281 | — | $281 | 7.93% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 33414 | FLORIDA COMBINED LIFE | $140 | — | $140 | 8.13% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE / CORZO RUIZ ELIZABETH | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $16 | — | $16 | 0.93% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334193419 | FLORIDA COMBINED LIFE | $77 | — | $77 | 8.13% |
| CORZO-RUIZ, ELIZABETH3 Filed as: FB CORZO-RUIZ, ELIZABETH | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $20 | — | $20 | 2.11% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 95 | $984K |
| Dental(3 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 82 | $49K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 127 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 16 | $12K |
| Long-term disability(3 contracts, 2 carriers) | USABLE LIFE | 147 | $6K |
| Prescription drug(3 contracts, 3 carriers) | HEALTH OPTIONS, INC | 95 | $985K |
| Other | USABLE LIFE | 11 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.