| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | $0 | $35K | 4.00% |
| JUSTER & ASSOCIATES INC3 Filed as: JUSTER & ASSOCIATES | 4890 WEST KENNEDY BLVD SUITE 840 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.77% |
| JUSTER & ASSOCIATES INC3 Filed as: JUSTER & ASSOCIATES | 4890 WEST KENNEDY BLVD SUITE 840 TAMPA, FL 33609 | UNION SECURITY INSURANCE COMPANY | $10K | $0 | $10K | 12.51% |
| ACRISURE LLC3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | $0 | $2K | 4.00% |
| ACRISURE LLC3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.40% |
| HARRY M BARASH3 | 2510 SUMMERDALE COURT CLEARWATER, FL 33761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $103 | $2K | 5.62% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $491 | $2K | 5.04% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $688 | $326 | $1K | 2.73% |
| SUSANNE PAPA3 | 4750 STONEVIEW CIRCLE OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | $51 | $706 | 1.90% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 107 | $913K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 353 | $82K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 104 | $81K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 104 | $81K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 104 | $81K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 104 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
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.