| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLADE BENEFIT CONSULTING LLC3 Filed as: BLADE LLC | 6465 COLLEGE PARK SQ STE 200 VIRGINIA BEACH, VA 234643622 | HEALTH OPTIONS, INC | $25K | — | $25K | 5.00% |
| BLADE BENEFIT CONSULTING LLC3 Filed as: BLADE LLC | 6465 COLLEGE PARK SQ STE 200 VIRGINIA BEACH, VA 234643622 | BLUE CROSS BLUE SHIELD OF FLORIDA | $23K | — | $23K | 5.00% |
| BLADE BENEFIT CONSULTING LLC3 | 111 W FREEMASON ST SUITE 202 NORFOLK, VA 23510 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $17K | 14.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
| BLADE BENEFIT CONSULTING LLC3 | 117 NORTH GOLD DR BLDG 1 ROBBINSVILLE, NJ 08691 | STANDARD INSURANCE COMPANY | $10K | $906 | $11K | 16.25% |
| BLADE BENEFIT CONSULTING LLC3 | 117 NORTH GOLD DR BLDG 1 ROBBINSVILLE, NJ 08691 | STANDARD INSURANCE COMPANY | $5K | $447 | $6K | 16.24% |
| BLADE BENEFIT CONSULTING LLC3 | 117 NORTH GOLD DR BLDG 1 ROBBINSVILLE, NJ 08691 | STANDARD INSURANCE COMPANY | $4K | $373 | $5K | 16.29% |
| BLADE BENEFIT CONSULTING LLC3 | 117 NORTH GOLD DR BLDG 1 ROBBINSVILLE, NJ 08691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 13.91% |
| MATTHEW HAND3 | 8508 PARROTS LANDING DR TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 13.71% |
| TIFFANY MACQUEEN3 | 443 JOHNSON AVE #302 CAPE CANAVERAL, FL 32920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.26% |
| CHRISTOPHER SAULLE3 | PO BOX 1822 ASHLAND, VA 23005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 1.37% |
| TIFFANY LEE ALLEN3 | 615 40TH AVE NE ST PETERSBURG, FL 33703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $1 | $132 | 0.67% |
| MICHAEL R REBER3 Filed as: MICHAEL ROY REBER | 20101 HERON CROSSING DR TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.49% |
| JERRY R MAUREY3 | 34401 SMART DR ZEPHYRHILLS, FL 33547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.21% |
| SHANE F LAMAY3 Filed as: SHANE LAMAY | 2517 CATTLEMEN RD UNIT 6301 SARASOTA, FL 34232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| JUDITH I DIAZ-MCKOY3 | 11015 LITTLE BLUE HERON DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 77 | $973K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $117K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $117K |
| Life insurance | STANDARD INSURANCE COMPANY | 209 | $69K |
| Short-term disability | STANDARD INSURANCE COMPANY | 71 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 57 | $36K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 77 | $973K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 209 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.