| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | BLUE CROSS BLUE SHIELD OF FLORIDA | $36K | — | $36K | 6.00% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $630 | — | $630 | 11.08% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST STE 1100 BOSTON, MA 021085003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $171 | — | $171 | 3.01% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL | 12450 BRANTLEY COMMONS COURT FT. MYERS, FL 33907 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $572 | $38 | $610 | 13.87% |
| DAILYFEATS INC.3 | 101 TREMONT STREET BOSTON, ME 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $132 | — | $132 | 3.00% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36 | — | $36 | 5.02% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS DBA MAXWELL HEALTH | 101 TREMONT STREET BOSTON, FL 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36 | — | $36 | 5.02% |
| RAIMEY CORPORATION3 Filed as: RAIMEY CORPORATION DBA LEADING EDGE | 12450 BRANTLEY COMMONS COURT FT. MYERS, FL 33907 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19 | — | $19 | 5.11% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS DBA MAXWELL HEALTH | 101 TREMONT STREET BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19 | — | $19 | 5.11% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 81 | $600K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 250 | $6K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 250 | $6K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 19 | $4K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 19 | $4K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 19 | $4K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 81 | $600K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 19 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.