| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MWI GAINESVILLE3 | 3501 W UNIVERSITY AVE. GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 2.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4880 NEWBERRY ROAD GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 1.64% |
| MWI GAINESVILLE3 Filed as: MWI GAINESVILLE INC | 3501 WEST UNIVERSITY AVE GAINESVILLE, FL 32607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 2045 14TH AVENUE VERO BEACH, FL 32960 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 6.29% |
| MWI GAINESVILLE3 Filed as: MWI GAINESVILLE INC. | 3501 WEST UNIVERSITY AVENUE GAINESVILLE, FL 32607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.96% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 2045 14TH AVENUE VERO BEACH, FL 32960 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.04% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DRIVE SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $97 | — | $97 | 0.19% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS & BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $293 | $2K | 15.69% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 109 | $767K |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $113K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 78 | $51K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $62K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 78 | $51K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $62K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.