| 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 | $29K | — | $29K | 6.00% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.78% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST STE 1100 BOSTON, MA 021085003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46 | — | $46 | 0.18% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $241 | $1K | 14.10% |
| 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 | $138 | — | $138 | 1.45% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE & FINANCIAL SVCS | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | HARTFORD LIFE AND ACCIDENT | $541 | — | $541 | 15.01% |
| RAIMEY CORPORATION3 Filed as: RAIMEY CORPORATION DBA LEADING EDGE | 12450 BRANTLEY COMMONS COURT FT. MYERS, FL 33907 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $112 | — | $112 | 4.99% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS DBA MAXWELL HEALTH | 101 TREMONT STREET BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | — | $3 | 0.13% |
| RAIMEY CORPORATION3 Filed as: RAIMEY CORPORATION DBA LEADING EDGE | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $66 | — | $66 | 5.03% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS DBA MAXWELL HEALTH | 101 TREMONT STREET BOSTON, FL 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7 | — | $7 | 0.53% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 67 | $491K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $25K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $25K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $13K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 37 | $9K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 37 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 67 | $491K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.