| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCURATE INSURANCE SOLUTIONS INC3 Filed as: ACCURATE INSURANCE SOLUTIONS | 3802 EHRLICH RD SUITE 312 TAMPA, FL 33624 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 6.19% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DR TAMPA, FL 33625 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $382 | $11K | 11.85% |
| ACCURATE INSURANCE SOLUTIONS INC3 Filed as: ACCURATE INSURANCE SOLUTIONS | 16019 N FLORIDA AVE LUTZ, FL 33549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.75% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE SUITE 300 ST. PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $3K | $1K | $5K | 7.88% |
| ACCURATE INSURANCE SOLUTIONS INC3 | 16019 N FLORIDA AVE LUTZ, FL 33549 | HUMANA INSURANCE COMPANY | $673 | — | $673 | 1.16% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH ST STE 234 PHOENIX, AZ 850182151 | HUMANA INSURANCE COMPANY | $218 | — | $218 | 0.38% |
| ACCURATE INSURANCE SOLUTIONS INC3 Filed as: ACCURATE INSURANCE SOLUTIONS | 3802 EHRLICH RD SUITE 312 TAMPA, FL 33624 | HEALTH OPTIONS | $2K | — | $2K | 6.21% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7516 MONIKA MANOR DR TAMPA, FL 33625 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 14.14% |
| ACCURATE INSURANCE SOLUTIONS INC3 Filed as: ACCURATE INSURANCE SOLUTIONS | 16019 N FLORIDA AVE LUTZ, FL 35549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $676 | $676 | 6.42% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 85 | $198K |
| Dental | HUMANA INSURANCE COMPANY | 92 | $58K |
| Vision | HUMANA INSURANCE COMPANY | 92 | $58K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $100K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $89K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 85 | $229K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.