| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS INC | 101 S GARLAND AVE, SUITE 203 ORLANDO, FL 32801 | AETNA HEALTH INC | $22K | — | $22K | 1.02% |
| ALLTRUST INSURANCE3 Filed as: ALLTRUST INSURANCE INC | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | AETNA HEALTH INC | — | $3K | $3K | 0.15% |
| ALLTRUST INSURANCE3 Filed as: ALLTRUST INSURANCE INC. | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | AETNA HEALTH INC | — | $1K | $1K | 0.05% |
| BRAYBOY & ASSOCIATES D/B/A ALLTRUST3 Filed as: BRAYBOY & ASSOC DBA ALLTRUST INS | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $7K | $23K | 13.98% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | ADVANTICA | $1K | — | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLTRUST INSURANCE EIN 59-3536226 BROKER | Insurance agents and brokers Service code 22 | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | $89K |
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 | 369 | 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) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH INC | 463 | $2.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $164K |
| Vision | ADVANTICA | 321 | $24K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $164K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.