| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 MIAMI GREEN WAY, 9TH FLOOR CORAL GABLES, FL 33146 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 11.16% |
| UNKNOWN3 | UNKNOWN MIAMI, FL 33156 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 1.78% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFITS ADVISORS | 3150 SW 38 AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 8.52% |
| WORKSITE COMMUNICATIONS3 | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASEE, FL 32301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 7.20% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFITS ADVISORS | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $13K | — | $13K | 39.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $13K | — | $13K | 39.95% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 7301 SW 57TH COURT, SUITE 530 SOUTH MIAMI, FL 33143 | COMPBENEFITS | $3K | — | $3K | 10.00% |
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 | 445 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 193 | $146K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 445 | $549K |
| Vision | COMPBENEFITS | 190 | $25K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 445 | $581K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 445 | $549K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 445 | $549K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $709K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.