| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 4915 W. CYPRESS STREET SUITE 100 TAMPA, FL 336073846 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 5.00% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W. CYPRESS STREET SUITE 100 TAMPA, FL 336073846 | HEALTH OPTIONS | $9K | — | $9K | 5.00% |
| INSURANCE OFFICE OF AMERICA3 | W. STATE ROAD 434 SUITE LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $5K | $12K | 12.30% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | — |
| INSURANCE OFFICE OF AMERICA3 | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | — |
| LEESMAN ENTERPRISES LLC3 Filed as: LEESMAN ENTERPRISES, LLC | 7933 HAMPTON LAKE DRIVE TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| ROBERT HYLTON3 | 6287 GARRETT STREET JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| JAMIE LEESMAN3 | 3030 N. ROCKY PT DRIVE SUITE 150 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| CRISTINA BRENNAN3 | 18102 PORTSIDE STREET TAMPA, FL 33547 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| BENEFITS WITH FRIENDS3 | 9113 79TH AVE SEMINOLE, FL 33777 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $530 | — | $530 | — |
| ENRIQUE ALFREDO IGLESIAS3 Filed as: ENRIQUE INGELSIAS | 2500 WINDING CREEK BLVD F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $388 | — | $388 | — |
| STEPHANIE YOUNG3 | 235 GOLF CLUB CIRCLE TEQUESTA, FL 33469 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $355 | — | $355 | — |
| JENNA L CARLONE3 Filed as: JENNA CARLONE | 573 SCRUBJAY LANE JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $339 | — | $339 | — |
| SCOTT HAGENBUCH3 | 9688 105TH AVE LARGO, FL 33773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | — | $153 | — |
| JAHNOI EVANS3 | 9303 ASHFIELD COURT TAMPA, FL 33615 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | — |
| MARK RITCHIE3 Filed as: MARK CONBOY | 142 OCEAN COVE DRIVE JUPITER, FL 33477 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | — |
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 | 144 | 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) | 144 | 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 | 97 | $834K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $98K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $98K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 97 | $834K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.