| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W CLEVELAND ST SUITE C TAMPA, FL 33606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS INC. | 2011 W CLEVELAND ST STE C TAMPA, FL 33606 | THE LINCOLN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS, INC | 7416 MONIKA MANOR DR TAMPA, FL 33625 | THE LINCOLN LIFE INSURANCE COMPANY | $678 | $347 | $1K | 8.49% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN LIFE INSURANCE COMPANY | — | $758 | $758 | 6.28% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN LIFE INSURANCE COMPANY | -$535 | — | -$535 | -4.43% |
| BKH HOLDINGS INC3 | 2011 W. CLEVELAND ST STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $656 | $656 | 6.34% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS INC. | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $250 | $306 | $556 | 5.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$124 | — | -$124 | -1.20% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W. CLEVELAND ST STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS INC. | 7416 MONIKA MANOR DR TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $673 | $230 | $903 | 13.52% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $427 | $427 | 6.39% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$587 | — | -$587 | -8.79% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $525 | — | $525 | 8.66% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $461 | $165 | $626 | 13.56% |
| BKH HOLDINGS INC3 | 2011 W CLEVELAND ST SUITE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $647 | — | $647 | 15.01% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $353 | $119 | $472 | 10.95% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $271 | $271 | 6.29% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$315 | — | -$315 | -7.31% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $38K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $38K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $11K |
| Short-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 36 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $10K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 76 | $108K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.