| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFITS RESOURCES INC3 Filed as: THE BENEFITS RESOURCES INC. | 4411 BEE RIDGE ROAD, SUITE 486 SARASOTA, FL 34233 | BLUE CROSS BLUE SHIELD OF FLORIDA | $178K | $0 | $178K | 5.00% |
| THE BENEFITS RESOURCES INC3 Filed as: THE BENEFITS RESOURCES INC. | 4411 BEE RIDGE ROAD, SUITE 486 SARASOTA, FL 34233 | HEALTH OPTIONS, INC | $37K | $0 | $37K | 5.00% |
| THE BENEFITS RESOURCES INC3 Filed as: THE BENEFITS RESOURCES INC. | 4411 BEE RIDGE ROAD, SUITE 486 SARASOTA, FL 34233 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 5.45% |
| BENEFIT RESOURCE GROUP LLC3 Filed as: THE BENEFIT RESOURCE | 4411 BEE RIDGE ROAD SARASOTA, FL 34233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.21% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $599 | $2K | 5.80% |
| HEIDI S WEISHAUPT3 Filed as: HEIDI S. WEISHAUPT | 4520 29TH AVENUE CIRCLE EAST PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.56% |
| PATRICIA M CARDUCCI3 Filed as: PATRICIA M. COLLINS | 4784 SIMCOE STREET PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $85 | $246 | 0.73% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY B. DRAKE | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $32 | $178 | 0.53% |
| BENEFITS & PLANNING AND OTHERS3 | PO BOX 1079 SARASOTA, FL 34230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.13% |
| FLORIDA PROTECTION CENTER LLC3 | 788 ARABIA ROAD SE PALM BAY, FL 32909 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.07% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 209 | $4.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $615K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $615K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $615K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $615K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $615K |
| Prescription drug | HEALTH OPTIONS, INC | 57 | $745K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.