| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANIERUPSHAW3 | PO BOX 468 LAKELAND, FL 33802 | UNITED HEALTHCARE INSURANCE COMPANY | — | $60K | $60K | 4.66% |
| LANIERUPSHAW3 | 1115 US HIGHWAY 98 SOUTH LAKELAND, FL 33801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.18% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC. | 175 SOUTH THIRD STREET, SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $341 | — | $341 | 0.36% |
| HARRISON-DAVIS INC3 Filed as: HARRISON-DAVIS, INC. | 5426 BAY CENTER DRIVE, SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.02% |
| LANIER UPSHAW, INC.3 | 1115 US HIGHWAY 98 SOUTH LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.93% |
| HEIDI S WEISHAUPT3 Filed as: HEIDI S. WEISHAUPT | 8955 US HIGHWAY 301 NORTH UNIT 395 PARRISH, FL 34219 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 40.22% |
| ROBERT C. LEWIS3 | 20907 LONG ACRE DRIVE DADE CITY, FL 33523 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.63% |
| DE ALMENARA INS. AND FIN. SVCS. LLC3 | 8543 GUNN HIGHWAY ODESSA, FL 33556 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.62% |
| LANIERUPSHAW3 | 1129 US 98 SOUTH LAKELAND, FL 33801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $180 | $4 | $184 | 8.59% |
| ANDERSON BENEFIT SOLUTIONS3 | 7408 VAN DYKE ROAD ODESSA, FL 33556 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | $35 | $142 | 6.63% |
| MICHAEL D MCMULLEN3 Filed as: MICHAEL D. MCMULLEN | 3726 VILLAGE ESTATES PLACE TAMPA, FL 33618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 3.31% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIIONS CORP. | 4921 PENNSBURY DRIVE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $9 | $44 | 2.05% |
| TRILOGY BENEFITS CONSULTING LLC3 Filed as: TRILOGY BENEFITS CONSULTING, LLC | 7408 VAN DYKE ROAD ODESSA, FL 33556 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $12 | $34 | 1.59% |
| MJ INSURANCE3 Filed as: TIMOTHY DONNELLY AND VARIOUS AGENTS | 5960 92ND AVENUE NORTH PINELLAS PARK, FL 33782 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 1.07% |
| DAWN RENEE MORGAN3 | 6413 DUNMOOR DRIVE PLANO, TX 75093 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.37% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 130 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $94K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $94K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $57K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 130 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.