| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EARL BACON AGENCY INC3 Filed as: EARL BACON | — | HEALTHSCOPE BENEFITS INC | $18K | — | $18K | 11.84% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FLO | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $14K | $3K | $17K | 19.55% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N SUITE 1209 CLEARWATER, FL 33762 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $6K | — | $6K | 6.91% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP | 100 NORTH TAMPA ST SUITE 3530 TAMPA, FL 33602 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $3K | — | $3K | 2.96% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $600 | — | $600 | 0.68% |
| EARL BACON AGENCY INC3 Filed as: EARL BACON AGENCY | 313 LONNBLADH RD TALLAHASSEE, FL 32308 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.38% |
| EARL BACON AGENCY INC3 Filed as: EARL BACON AGENCY | 3131 LONNBLADH RD TALLAHASSEE, FL 32308 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.38% |
| EARL BACON AGENCY INC3 Filed as: EARL BACON AGENCY | 3131 LONNBLADH RD TALLAHASSEE, FL 32308 | STANDARD INSURANCE COMPANY | $515 | — | $515 | 4.53% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 147 | $64K |
| Vision | STANDARD INSURANCE COMPANY | 113 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 98 | $25K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 105 | $88K |
| Stop-loss / reinsurancereinsurance | HEALTHSCOPE BENEFITS INC | 116 | $152K |
| Other(2 contracts, 2 carriers) | HEALTHSCOPE BENEFITS INC | 116 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.