| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 649 5TH AVENUE SOUTH, SUITE 204 NAPLES, FL 34102 | BLUE CROSS BLUE SHIELD OF FLORIDA | $196K | $0 | $196K | 4.30% |
| BENEFITS RESOURCE GROUP3 Filed as: THE BENEFITS RESOURCE, INC. | 4411 BEE RIDGE ROAD, SUITE 486 SARASOTA, FL 34233 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | $0 | $32K | 0.70% |
| LOCKTON COMPANIES, LLC3 | 649 5TH AVENUE SOUTH, SUITE 204 NAPLES, FL 34102 | HEALTH OPTIONS, INC | $44K | $0 | $44K | 4.25% |
| BENEFITS RESOURCE GROUP3 Filed as: THE BENEFITS RESOURCE, INC. | 4411 BEE RIDGE ROAD, SUITE 486 SARASOTA, FL 34233 | HEALTH OPTIONS, INC | $8K | $0 | $8K | 0.75% |
| LOCKTON COMPANIES, LLC3 | 2202 NORTH WESTSHORE BOULEVARD SUITE 200 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $25K | 5.53% |
| BENEFITS RESOURCE GROUP3 Filed as: THE BENEFITS RESOURCE, INC. | 4411 BEE RIDGE ROAD, SUITE 486 SARASOTA, FL 34233 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.40% |
| LOCKTON COMPANIES, LLC3 | 649 5TH AVENUE SOUTH, SUITE 204 NAPLES, FL 34102 | FLORIDA COMBINED LIFE | $17K | $0 | $17K | 7.60% |
| BENEFITS RESOURCE GROUP3 Filed as: THE BENEFITS RESOURCE, INC. | 4411 BEE RIDGE ROAD, SUITE 486 SARASOTA, FL 34233 | FLORIDA COMBINED LIFE | $3K | $0 | $3K | 1.50% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA, LLC | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 9.21% |
| BENEFIT RESOURCE GROUP LLC3 Filed as: THE BENEFIT RESOURCE | 4411 BEE RIDGE ROAD SARASOTA, GA 34233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.63% |
| HEIDI S WEISHAUPT3 Filed as: HEIDI S. WEISHAUPT | 4520 29TH AVENUE CIRCLE EAST PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $55 | $3K | 5.71% |
| PATRICIA M CARDUCCI3 Filed as: PATRICIA M. CARDUCCI | 4784 SIMCOE STREET PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | $253 | $795 | 1.75% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD ATLANTA, GA 30305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $627 | $0 | $627 | 1.38% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY B. DRAKE | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $61 | $269 | 0.59% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES INC & OTHER AGENTS | 777 DREWRY STREET NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $3 | $57 | 0.13% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | 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 | 245 | $5.6M |
| Dental | FLORIDA COMBINED LIFE | 354 | $225K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $446K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $446K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $446K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $446K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 245 | $5.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.