| 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 | $37K | — | $37K | 5.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143419 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 5.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143419 | FLORIDA COMBINED LIFE | $2K | — | $2K | 9.21% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143410 | FLORIDA COMBINED LIFE | $1K | — | $1K | 9.84% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 33414 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.00% |
| HARRISON-DAVIS INC3 Filed as: HARRISON - DAVIS INC. | 5426 BAY CENTER DR SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.13% |
| DAVIS II COMPANIES LLC3 | 5426 BAY CENTER DR SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.07% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANES WAY WELLINGTON, FL 33414 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY/ SUPERIOR VISION | $571 | — | $571 | 10.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334193419 | FLORIDA COMBINED LIFE | $616 | — | $616 | 11.70% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 33414 | FLORIDA COMBINED LIFE | $472 | — | $472 | 11.71% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 79 | $825K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 85 | $32K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY/ SUPERIOR VISION | 53 | $6K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $13K |
| Long-term disability | FLORIDA COMBINED LIFE | 111 | $5K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 79 | $825K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.