| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON AND ASSOCIATES | 9067 BELCHER ROAD PINELLAS PARK, FL 33872 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 8.79% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $564 | $7K | 5.42% |
| SANDY WASSON & ASSOC DBA TROPICAL3 Filed as: SANDY WATSON AND ASSOCIATES | 9067 BELCHER ROAD PINELLAS PARK, FL 33872 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.89% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVENUE, SUITE 300 SAINT PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.97% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVENUE, SUITE 300 SAINT PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $626 | $225 | $851 | 0.93% |
| DAVID HOOD3 | 700 CENTRAL AVENUE, SUITE 300 SAINT PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $616 | $155 | $771 | 0.85% |
| DAVID HOOD3 Filed as: DAVID JAMES CONDRON | 700 CENTRAL AVENUE, SUITE 300 SAINT PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $569 | $143 | $712 | 0.78% |
| OCONNELL FNCL GRP INC3 Filed as: OCONNELL FINANCIAL GROUP, INC. | 1511 NORTH WEST SHORE BOULEVARD SUITE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $626 | $75 | $701 | 0.77% |
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 |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $134K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $134K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $134K |
| Short-term disability | NORTHWESTERN MUTUAL | 193 | $91K |
| Long-term disability | NORTHWESTERN MUTUAL | 193 | $91K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.