| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $51K | $0 | $51K | 2.62% |
| MWI GAINESVILLE3 | 3501 WEST UNIVERSITY AVENUE SUITE A GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | $0 | $27K | 1.38% |
| MWI GAINESVILLE3 | 3501 WEST UNIVERSITY AVENUE GAINESVILLE, FL 32607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 7.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $16K | 5.65% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.81% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.81% |
| JENNIE HAWKINS3 Filed as: JENNIE M HAWKINS INC & OTHER AGENTS | 4215 SOUTH RIDGEWOOD AVENUE SUITE 104 PORT ORANGE, FL 32127 | AFLAC | $993 | $0 | $993 | 6.11% |
| JEREMY C ALFORD3 Filed as: JEREMY ALFORD | 2606 NW 19TH WAY GAINESVILLE, FL 32605 | AFLAC | $117 | $0 | $117 | 0.72% |
| SCOTT D HAWKINS INC3 Filed as: SCOTT D. HAWKINS, INC. | 3216 MEDICI BOULEVARD NEW SMYRNA, FL 32168 | AFLAC | $102 | $0 | $102 | 0.63% |
| SABRINA HASKELL3 | 109 DEMOTTE AVENUE PORT ORANGE, FL 32127 | AFLAC | $99 | $0 | $99 | 0.61% |
| LEFTOUT CAPITAL INC3 Filed as: LEFTOUT CAPITAL, INC. | 1053 VILLAGE LANE CHICO, CA 95926 | AFLAC | $95 | $0 | $95 | 0.58% |
| MELANIE BRUBAKER3 | 4211 LEFOUT LANE, SUITE 130 CHICO, CA 95973 | AFLAC | $95 | — | $95 | 0.58% |
| DAMON CHANDLER FICO3 Filed as: DAMON FICO | 520 POPLAR STREET, UNIT 209 MACON, GA 31201 | AFLAC | $88 | $0 | $88 | 0.54% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 202 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $290K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $290K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $290K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $290K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $290K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 202 | $1.9M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.