| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C G ELIAS & CO3 | 2555 ENTERPRISE RD. STE 11-3 CLEARWATER, FL 337631150 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | — | $39K | 2.94% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH AND WILLINGHAM, INC. | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 1.21% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS, INC | 10923 COUNTRYWAY BLVD TAMPA, FL 33626 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 0.85% |
| C G ELIAS & CO3 | 2555 ENTERPRISE RD. STE 11-3 CLEARWATER, FL 337631150 | HEALTH OPTIONS, INC. | $10K | — | $10K | 3.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH AND WILLINGHAM, INC | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | HEALTH OPTIONS, INC. | $4K | — | $4K | 1.22% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS, INC. | 10923 COUNTRYWAY BLVD TAMPA, FL 33626 | HEALTH OPTIONS, INC. | $3K | — | $3K | 0.78% |
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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 159 | $1.7M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 159 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.