| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | BLUECROSS BLUESHIELD OF FLORIDA | $33K | — | $33K | 6.05% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | HEALTH OPTIONS, INC | $17K | — | $17K | 6.90% |
| MARIO BICK3 | 15091 FEATHERSTONE WAY DAVIE, FL 30331 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 15.00% |
| ROGERS BENEFIT GROUP INC3 | 9909 MIRA MESA BLVD STE 160 SAN DIEGO, CA 92131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | TRANSAMERICA INSURANCE CO. | $6K | — | $6K | 18.04% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 15.04% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 8.71% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 8.59% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP INC | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.92% |
| BICK, MARIO3 | 6574 N. STATE ROAD 7, #408 COCONUT CREEK, FL 33073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.08% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GRP INC DBA SHEA GUERC | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.38% |
| BICK, MARIO3 | 6574 N. STATE ROAD 7, #408 COCONUT CREEK, FL 33073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.62% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $885 | — | $885 | 5.00% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.19% |
| BICK, MARIO3 | 6574 N. STATE ROAD 7, #408 COCONUT CREEK, FL 33073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $794 | — | $794 | 5.53% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $718 | — | $718 | 5.00% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $1K | — | $1K | 14.00% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP INC | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | UNUM INSURANCE COMPANY | $336 | — | $336 | 3.14% |
| BICK, MARIO3 | 6574 N. STATE ROAD 7, #408 COCONUT CREEK, FL 33073 | UNUM INSURANCE COMPANY | $305 | — | $305 | 2.85% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | UNUM INSURANCE COMPANY | $878 | — | $878 | 14.73% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP INC | 501 E KENNEDY BLVD SUITE 1000 TAMPA, FL 33602 | UNUM INSURANCE COMPANY | $296 | — | $296 | 4.96% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF FLORIDA | 68 | $544K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $91K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $91K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $30K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $45K |
| Prescription drug | HEALTH OPTIONS, INC | 42 | $246K |
| Other(6 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF FLORIDA | 158 | $626K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.