| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 13.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | FLORIDA COMBIINED LIFE | $5K | — | $5K | 10.02% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 14.43% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.67% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | — | $259 | 0.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST FL 32 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $17 | $2K | 9.86% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 113 | $835K |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBIINED LIFE | 113 | $66K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $17K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $119K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $119K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $119K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 99 | $818K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.