| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM, INC | PO BOX 195579 WINTER SPRINGS, FL 327195579 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 6.00% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM, INC | PO BOX 195579 WINTER SPRINGS, FL 327195579 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 6.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FLO | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 14.71% |
| SIHLE INSURANCE GROUP INC3 | 1021 DOUGLAS AVE ALTAMONTE SPRINGS, FL 32714 | TRANSAMERICA LIFE INSURANCE COMPANY | $294 | — | $294 | 4.21% |
| BEACON ENTERPRISES INC3 | 2441 W STATE ROAD 426 STE 1011 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $159 | — | $159 | 2.28% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $131 | — | $131 | 1.88% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM, INC | 208 S RIDGEWOOD AVE DELAND, FL 32720 | TRANSAMERICA LIFE INSURANCE COMPANY | $129 | — | $129 | 1.85% |
| ENROLLMENT FIRST INC3 | 6712 DEANE HILL DR KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $91 | — | $91 | 1.30% |
| BURKETT & ASSOCIATES INS3 | 12627 SAN JOSE BLVD JACKSONVILLE, FL 32223 | TRANSAMERICA LIFE INSURANCE COMPANY | $45 | — | $45 | 0.64% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 49 | $448K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $46K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $46K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $46K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 49 | $448K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.