| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELLUS INSURANCE SERVICES3 | PO BOX 1820 WINTER PARK, FL 32790 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $69K | $69K | 1.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $69K | $69K | 1.50% |
| BELLUS INSURANCE SERVICES3 | PO BOX 1820 WINTER PARK, FL 32790 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 1.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 1.69% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 300 COLONIAL CENTER PARKWAY SUITE 270 LAKE MARY, FL 32746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 14.89% |
| FLORINE THEA BELLUS3 | 3820 NORTHDALE BOULEVARD SUITE 200A TAMPA, FL 33624 | HARTFORD LIFE AND ACCIDENT | $196 | $0 | $196 | 15.02% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 276 | $4.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 176 | $237K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 176 | $237K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $160K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $160K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 276 | $4.6M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.