| 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 | $16K | $2K | $19K | 6.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $15K | $0 | $15K | 7.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | COMPBENEFITS COMPANY | $14K | $0 | $14K | 10.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 7.72% |
| LANCE ACKERMAN3 Filed as: LANCE N. ACKERMAN | 12346 VILLAGER COURT TAMPA, FL 33625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.32% |
| MJ INSURANCE3 Filed as: DONALD HUDSON AND VARIOUS AGENTS | 3991 SE 22ND AVENUE OCALA, FL 34480 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.81% |
| JEFFREY NELSON3 Filed as: JEFFREY C. NELSON | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $824 | $0 | $824 | 1.28% |
| BETH L WALTER3 Filed as: BETH L. WALTER | 8375 DIXELLIS TRAIL, SUITE 409 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $803 | $0 | $803 | 1.25% |
| JOHN M. GRUBBS3 | 7357 COLUMNS CIRCLE, SUITE 106 TRINITY, FL 34655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $264 | $0 | $264 | 0.41% |
| SUSAN C BRIMHALL3 Filed as: SUSAN C. BRIMHALL | PO BOX 336 SMITHS STATION, AL 36877 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | $0 | $238 | 0.37% |
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 | 587 | 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) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 614 | $335K |
| Vision | HUMANA INSURANCE COMPANY | 614 | $204K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 587 | $286K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 587 | $286K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 587 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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.