| 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 | $34K | — | $34K | 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 | $3K | — | $3K | 11.48% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334143410 | FLORIDA COMBINED LIFE | $1K | — | $1K | 11.37% |
| 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% |
| 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 | $635 | — | $635 | 10.00% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 334193419 | FLORIDA COMBINED LIFE | $406 | — | $406 | 8.21% |
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT CORP | 2727 ELEANOR WAY WELLINGTON, FL 33414 | FLORIDA COMBINED LIFE | $340 | — | $340 | 8.22% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 75 | $774K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 86 | $36K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY/ SUPERIOR VISION | 56 | $6K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $13K |
| Long-term disability | FLORIDA COMBINED LIFE | 110 | $5K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 75 | $774K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.