| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 9432 BAYMEADOWS ROAD, SUITE 260 JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $135K | $26K | $161K | 10.91% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 3150 MIAMI GREEN WAY, 9TH FLOOR CORAL GABLES, FL 33146 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 2.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $507 | $0 | $507 | 0.03% |
| BEVERLEY ELAINE BEATTIE3 | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | AETNA LIFE INSURANCE COMPANY | $52K | $0 | $52K | 4.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK LIFE INSURANCE COMPANY | $60K | $0 | $60K | 12.17% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK LIFE INSURANCE COMPANY | $57K | $0 | $57K | 11.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.58% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CENTER SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.44% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.05% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. DBA AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | DOMINION NATIONAL | $3K | $0 | $3K | 7.76% |
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 | 2,364 | 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) | 2,364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 187 | $2.3M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,364 | $1.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,364 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,364 | $2.0M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,364 | $1.5M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,364 | $1.5M |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE COMPANY | 187 | $2.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,364 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,364 | — |
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.