| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE GROUP INC.3 | 2555 ENTERPRISE ROAD SUITE 11-3 CLEARWATER, FL 33763 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 14.81% |
| C G ELIAS & CO3 Filed as: C G ELIAS & COMPANY | 2555 ENTERPRISE ROAD 11-3 CLEARWATER, FL 33763 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $1K | — | $1K | 11.80% |
| MONICA SCOTT3 | 4800 DEERWOOD CAMPUS PKWY JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $41 | — | $41 | 0.47% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS, INC | 7418 MONIKA MANOR DRIVE TAMPA, FL 33625 | HARTFORD LIFE AND ACCIDENT | $301 | — | $301 | 15.02% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 267 | $148K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 262 | $140K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 262 | $140K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 267 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.