| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NICHOLAS GROUP CLEARWATER INC3 Filed as: NICHOLAS GROUP CLEARWATER INC | 36181 E LAKE RD #21 PALM HARBOR, FL 34685 | AETNA LIFE INSURANCE CO | $10K | $15K | $25K | 1.99% |
| THE NICHOLAS GROUP CLEARWATER INC3 | 36181 E LAKE RD #21 PALM HARBOR, FL 34685 | HUMANA MEDICAL PLAN, INC | $4K | $0 | $4K | 14.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752511800 | HUMANA MEDICAL PLAN, INC | $0 | $948 | $948 | 3.16% |
| THE NICHOLAS GROUP CLEARWATER INC3 | 36181 EAST LAKE RD #21 PALM HARBOR, FL 34685 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GL BENJAMIN INC3 | 5837 RAVENWOOD DR SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $792 | $0 | $792 | 6.83% |
| THE NICHOLAS GROUP3 | 3074 LANDMARK BLVD APT 1501 PALM HARBOR, FL 346845045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $247 | $0 | $247 | 2.13% |
| JOHN C JONES & ASSOC INC3 | 2027 HAWAII AVE NE ST PETERSBURG, FL 33703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $197 | $0 | $197 | 1.70% |
| DIAZ VICTOR G3 | 12518 EVINGTON POINT DR RIVERVIEW, FL 33579 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | $0 | $193 | 1.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | $0 | $103 | 0.89% |
| WEISHAUPT HEIDI S3 | 4520 29TH AVENUE CIRCLE E PALMETTO, FL 34221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | $0 | $102 | 0.88% |
| COMPREHENSIVE COMPANIES3 Filed as: COMPREHENSIVE UNDERWRITERS INC | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.45% |
| GL BENJAMIN INC3 Filed as: BENJAMIN SARA | 3118 GULF TO BAY SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.29% |
| SCHUMAKER HAROLD WILLIAM3 | 10471 SANDERLING SHORES DR APT 204 TAMPA, FL 33619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.28% |
| STONE RONALD3 | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| THE NICHOLAS GROUP CLEARWATER INC3 | 36181 E LAKE RD #21 PALM HARBOR, FL 34685 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 330 | $1.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 330 | $1.3M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 330 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC | 75 | $42K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 26 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $9K |
| Other(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC | 75 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.