| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MWI GAINESVILLE3 | 3501 W UNIVERSITY AVE. GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $46K | — | $46K | 4.05% |
| MWI GAINESVILLE3 | 3501 W UNIVERSITY AVE. GAINESVILLE, FL 32607 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 14.04% |
| MWI GAINESVILLE3 | 3501 W UNIVERSITY AVE. GAINESVILLE, FL 32607 | GUARDIAN | $7K | — | $7K | 10.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | GUARDIAN | $4K | — | $4K | 5.00% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DRIVE SUITE 550 TAMPA, FL 33609 | GUARDIAN | $74 | — | $74 | 0.10% |
| DAVIS II COMPANIES LLC3 | 5426 BAY CENTER DRIVE TAMPA, FL 33609 | GUARDIAN | $37 | — | $37 | 0.05% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | — | $1K | 9.64% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 137 | $1.1M |
| Dental | GUARDIAN | 109 | $75K |
| Vision | GUARDIAN | 109 | $75K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $92K |
| Short-term disability | GUARDIAN | 109 | $75K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.