| 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 | — | $25K | $25K | 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 | $8K | — | $8K | 10.17% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | $110 | $357 | — |
| BENEFIT RESOURCE GROUP LLC3 Filed as: THE BENEFIT RESOURCE | 4411 BEE RIDGE RD SARASOTA, FL 34233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | — | $353 | — |
| HEIDI S WEISHAUPT3 | 4520 29TH AVE CIR E PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | — |
| SHIRLEY B DRAKE3 | 14141 46TH STREET NORTH ORLANDO, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $5 | $28 | — |
| HARRY M BARASH3 | 2510 SUMMERDALE CT CLEARWATER, FL 33761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | — |
| FLORIDA PROTECTION CENTER LLC3 | 788 ARABIA RD SE PAM BAY, FL 32909 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | — |
| BENEFITS PLANNING CORP.3 Filed as: BENEFITS & PLANNING INC | PO BOX 1079 SARASOTA, FL 34230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | — |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 173 | $505K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $77K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $77K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $77K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $77K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $77K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 173 | $505K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.