| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE SUITE 404 ST PETERSBURG, FL 337013600 | HUMANA MEDICAL PLAN, INC. | $22K | $2K | $24K | 6.64% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DR TAMPA, FL 33625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.55% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $867 | — | $867 | 4.28% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W CLEVELAND ST SUITE C TAMPA, FL 33606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $294 | — | $294 | 1.45% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS, INC | 7416 MONIKA MANOR DR TAMPA, FL 33625 | THE LINCOLN LIFE INSURANCE COMPANY | $937 | — | $937 | 13.05% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN LIFE INSURANCE COMPANY | — | $500 | $500 | 6.96% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS INC. | 2011 W CLEVELAND ST STE C TAMPA, FL 33606 | THE LINCOLN LIFE INSURANCE COMPANY | $140 | — | $140 | 1.95% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS INC. | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $810 | — | $810 | 13.09% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $488 | $488 | 7.89% |
| BKH HOLDINGS INC3 | 2011 W. CLEVELAND ST STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $118 | — | $118 | 1.91% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS INC. | 7416 MONIKA MANOR DR TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $566 | — | $566 | 13.09% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $338 | $338 | 7.82% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W. CLEVELAND ST STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $82 | — | $82 | 1.90% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | $5 | $328 | 9.28% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $313 | — | $313 | 13.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $250 | $250 | 10.41% |
| BKH HOLDINGS INC3 | 2011 W CLEVELAND ST SUITE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48 | — | $48 | 2.00% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 47 | $367K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $20K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $7K |
| Short-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 35 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $6K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
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.
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.