| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | STANDARD INSURANCE COMPANY | $5K | $3K | $8K | 3.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 350 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $8K | $0 | $8K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HUMANA INSURANCE COMPANY | — | $1K | $1K | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS TAMPA, FL 33607 | COMPBENEFITS COMPANY | $3K | $0 | $3K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | COMPBENEFITS COMPANY | — | $2K | $2K | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.37% |
| LANCE ACKERMAN3 Filed as: LANCE N. ACKERMAN | 12346 VILLAGER COURT TAMPA, FL 33625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.89% |
| BETH L WALTER3 Filed as: BETH L. WALTER | 8375 DIX ELLIS TRAIL, SUITE 409 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $529 | $0 | $529 | 1.18% |
| MJ INSURANCE3 Filed as: MICHAEL R. REBER AND VARIOUS AGENTS | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $523 | $0 | $523 | 1.17% |
| JEFFREY NELSON3 Filed as: JEFFREY C. NELSON | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | $0 | $397 | 0.89% |
| DONALD HUDSON3 | 3991 SE 22ND AVENUE OCALA, FL 34480 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | $0 | $136 | 0.30% |
| JEANNINE MACKO3 | 1203 MANDERLEE PLACE TRINITY, FL 34655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | $0 | $109 | 0.24% |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 462 | $256K |
| Vision | HUMANA INSURANCE COMPANY | 462 | $190K |
| Life insurance | STANDARD INSURANCE COMPANY | 816 | $261K |
| Long-term disability | STANDARD INSURANCE COMPANY | 816 | $261K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 816 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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.