| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 9.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $8K | $0 | $8K | 4.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET TAMPA, FL 33607 | COMPBENEFITS COMPANY | $3K | $0 | $3K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.71% |
| LANCE ACKERMAN3 Filed as: LANCE N. ACKERMAN | 12346 VILLAGER COURT TAMPA, FL 33625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.16% |
| MJ INSURANCE3 Filed as: MICHAEL R. REBER AND VARIOUS AGENTS | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $637 | — | $637 | 1.26% |
| BETH L WALTER3 Filed as: BETH L. WALTER | 8375 DIX ELLIS TRAIL, SUITE 409 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $579 | $0 | $579 | 1.15% |
| JEFFREY NELSON3 Filed as: JEFFREY C. NELSON | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $442 | $0 | $442 | 0.88% |
| DONALD HUDSON3 | 3991 SE 22ND AVENUE OCALA, FL 34480 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | $0 | $140 | 0.28% |
| JEANNINE MACKO3 | 1203 MANDERLEE PLACE TRINITY, FL 34655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | $0 | $133 | 0.26% |
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 | 530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 468 | $261K |
| Vision | HUMANA INSURANCE COMPANY | 468 | $197K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 534 | $262K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 534 | $262K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 534 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.