| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOCIATES INS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | — | $55K | 15.63% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $4K | $882 | $4K | 6.57% |
| DAVID HOOD3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $607 | $153 | $760 | 1.14% |
| DAVID HOOD3 | — | NORTHWESTERN MUTUAL | $607 | $153 | $760 | 1.14% |
| DAVID HOOD3 Filed as: DAVID JAMES CONDRON | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $560 | $141 | $701 | 1.05% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $467 | $168 | $635 | 0.95% |
| OCONNELL FNCL GRP INC3 | 1511 N WEST SHORE BLVD STE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $467 | $56 | $523 | 0.78% |
| SANDY WASSON & ASSOC DBA TROPICAL3 | 9067 BELCHER RD PINELLAS PARK, FL 33872 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $457 | $2K | 6.70% |
| SANDY WASSON & ASSOC DBA TROPICAL3 | 9067 BELCHER RD PINELLAS PARK, FL 33872 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $612 | — | $612 | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $204 | $59 | $263 | 6.45% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $350K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $350K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $350K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $27K |
| Long-term disability | NORTHWESTERN MUTUAL | 160 | $67K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.