| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED BENEFIT ADVISOR OF FLORIDA3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | GUARDIAN | $3K | — | $3K | 25.94% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33701 | GUARDIAN | $675 | — | $675 | 5.72% |
| UNITED BENEFIT ADVISOR OF FLORIDA3 | 2555 ENTERPRISE ROAD SUITE 11-3 CLEARWATER, FL 33763 | GUARDIAN | $323 | — | $323 | 2.74% |
| CASE BENEFIT CONSULTANTS3 | 4760 TAMIAMI TRAIL N STE 25 NAPLES, FL 34103 | GUARDIAN | — | $12 | $12 | 0.10% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 133 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.