| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CLEMSON COMPANY3 | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | BLUE CROSS AND BLUE SHIELD OF FLORIDA | $18K | — | $18K | 2.41% |
| THE CLEMSON COMPANY3 | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | HEALTH OPTIONS,INC | $13K | — | $13K | 3.05% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FLO | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 12.47% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.30% |
| JOSEPH LEE WROBLEWSKI3 | PO BOX 1222 LYNN HAVEN, FL 32444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $132 | $5K | 8.32% |
| THE CLEMONS COMPANY3 | PO BOX 2298 PANAMA CITY, FL 32402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 6.54% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSIONS ROAD TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $324 | $2K | 4.11% |
| JAMIE A CONTRERAS-VESTAL3 | PO BOX 1240 DELAND, FL 32721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $677 | $183 | $860 | 1.47% |
| M & L BENEFIT SOLUTIONS LIC3 | PO BOX 16362 PANAMA CITY, FL 32406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $696 | — | $696 | 1.19% |
| GINAKES & ASSOCIATES LIC3 | 1020 WEST INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $238 | $674 | 1.15% |
| PEOPLES FIRST INSURANCE SERVICES LI3 | 1022 WEST 23RD STREET SUITE 250 PANAMA CITY, FL 32405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | — | $337 | 0.58% |
| NICOLE TOWNSEND VEDDER3 | 6548 WILDEMEADE PLACE TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 0.46% |
| ALFORD INSURANCE SERVICES INC3 Filed as: ALFORD INS SERVICES INC | 868 STONE ROAD GRAND RIDGE, FL 32442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | — | $256 | 0.44% |
| TAYLOR AUSTIN WIMBERLEY3 | 782 DRIFTWOOD POINT ROAD SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 0.30% |
| GRUBBS INSURANCE3 | 525 TAYLOR ROAD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.29% |
| RONALD AUSTIN WIMBERLEY3 | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.21% |
| JOEY GRUBBS BENEFITS LLC3 Filed as: JOEY GRUBBS BENEFITS LIC | 525 TAYLOR ROAD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.13% |
| MATHIS INSURANCE & INVESTMENTS INC3 | PO BOX 16586 PANAMA CITY, FL 32406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.08% |
| FOUNDATION RISK PARTNERS CORP3 | 780 WEST GRANADA BOULEVARD SUITE 100 ORMOND BEACH, FL 32174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.04% |
| TERESA PELHAM3 | PO BOX 351 GRENWOOD, FL 32443 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| WILLIAM C WESTER3 | PO BOX 375 GRAND RIDGE, FL 32442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| CODY HALL3 | 502 BELLA DRIVE ENTERPRISE, AL 36330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $10 | $12 | 0.02% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN AND ASSOCIATES LIC | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| JENNIFER WEYMOUTH LIC3 | 2940 OAKTREE DRIVE KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 49 | $1.2M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $200K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $141K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $200K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $141K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $141K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.