| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFITS RESOURCES INC3 | 4411 BEE RIDGE ROAD SUITE 486 SARASOTA, FL 34233 | BLUE CROSS BLUE SHIELD OF FLORIDA | $90K | $0 | $90K | 5.00% |
| BENEFITS RESOURCE GROUP3 Filed as: THE BENEFITS RESOURCE INC | 4411 BEE RIDGE ROAD SUITE 486 SARASOTA, FL 34232 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 7.11% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DRIVE SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$206 | $0 | -$206 | -0.07% |
| BENEFIT RESOURCE GROUP LLC3 Filed as: THE BENEFIT RESOURCE | 4411 BEE RIDGE RD SARASOTA, FL 34233 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 21.62% |
| WORKSITE AMERICA LLC3 | 14141 46TH ST N CLEAWATER, FL 33762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $7K | 18.68% |
| HEIDI S WEISHAUPT3 | 4520 29TH AVE CIR E PALMETTO, FL 34221 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $407 | $4K | 10.84% |
| ROBERT RYAN HAWKEN3 | 16524 FOOTHILL DR TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $181 | $3K | 7.49% |
| DEAN ALLEN DAVIS3 | 2528 STANHOPE DR NEW PORT RICHEY, FL 34655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $328 | $2K | 6.69% |
| CHRISTINA L SUTTON3 | 14141 46TH ST N CLEARWATER, FL 33762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $870 | $2K | 6.57% |
| SHIRLEY B DRAKE3 | 14141 46TH ST N CLEARWATER, FL 33762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $797 | $2K | 6.33% |
| FLORIDA PROTECTION CENTER LLC3 | 901 NEVADA DR NE PALM BAY, FL 32907 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $541 | $0 | $541 | 1.49% |
| FRANCISCO JAVIER RUIZ3 | 10011 COURTNEY PALMS BLVD TAMPA, FL 33619 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.31% |
| KASSANDRA MARIE WILL3 | 2315 BARKWOOD PASS CLEARWATER, FL 33763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $3 | $12 | 0.03% |
| BENEFITS PLANNING CORP.3 Filed as: BENEFITS & PLANNING INC | PO BOX 1079 SARASOTA, DC 34230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 166 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $298K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $298K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $298K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $298K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $298K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 166 | $1.8M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.