| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 MIAMI GREEN WAY, 9TH FLOOR CORAL GABLES, FL 33146 | BLUE CROSS BLUE SHIELD OF FLORIDA | $51K | $0 | $51K | 6.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 15.48% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 MIAMI GREEN WAY, 9TH FLOOR CORAL GABLES, FL 33146 | HEALTH OPTIONS, INC. | $7K | $0 | $7K | 6.00% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 MIAMI GREEN WAY, 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $9K | $0 | $9K | 30.35% |
| SIMPLENROLL3 | 1200 EAST TAFT STREET SAPULPA, OK 74066 | TRUSTMARK INSURANCE COMPANY | $997 | $0 | $997 | 3.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $37 | $0 | $37 | 0.12% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.99% |
| SDM FINANCIAL, LLC3 | 950 PENINSULA CORP CIRCLE SUITE 1005 COCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.99% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.99% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 138 | $982K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $120K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $120K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $120K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $120K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 138 | $982K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.