| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $11K | $26K | 10.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $12K | $0 | $12K | 6.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | COMPBENEFITS COMPANY | $14K | $0 | $14K | 9.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 9.01% |
| LANCE ACKERMAN3 Filed as: LANCE N. ACKERMAN | 12346 VILLAGER COURT TAMPA, FL 33625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.09% |
| MJ INSURANCE Filed as: MICHAEL R. REBER AND VARIOUS AGENTS | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.79% |
| BETH L WALTER3 Filed as: BETH L. WALTER | 8375 DIX ELLIS TRAIL, SUITE 409 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $994 | $0 | $994 | 1.40% |
| JEANNINE MACKO3 | 1203 MANDERLEE PLACE TRINITY, FL 34655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | $0 | $160 | 0.23% |
| K & J NELSON INC3 Filed as: K AND J NELSON, INC. | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.09% |
| CATHERINE L LEE3 Filed as: CATHERINE L. LEE | 10 NUN STREET WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.07% |
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 | 627 | 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) | 627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 627 | $351K |
| Vision | HUMANA INSURANCE COMPANY | 627 | $197K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 627 | $259K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 627 | $259K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 627 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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.