| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES, INC | 1701 NE 42ND AVENUE, 200 OCALA, FL 34470 | BLUE CROSS BLUE SHIELD OF FLORIDA | — | $12K | $12K | 0.29% |
| GEORGE RONALD KRELL3 | 3849 KILLEARN CT STE A TALLAHASSEE, FL 32309 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 5.25% |
| BENJAMIN D GANTT3 | 2039 CENTRE POINTE BLVD, SUITE 101 TALLAHASSEE, FL 32308 | NORTHWESTERN MUTUAL | $743 | $176 | $919 | 0.88% |
| WILLIAM S KOCH3 | 245 RIVERSIDE AVENUE, SUITE 100 JACKSONVILLE, FL 32202 | NORTHWESTERN MUTUAL | $660 | $58 | $718 | 0.69% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES, INC | PO BOX 2438 OCALA, FL 34478 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.94% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES, INC | 1701 NE 42ND AVENUE, #200 OCALA, FL 34470 | COMBINED INSURANCE SERVICES, INC. | — | $25K | $25K | — |
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 | 399 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 386 | $4.1M |
| Dental | COMBINED INSURANCE SERVICES, INC. | 399 | $0 |
| Vision | COMPBENEFITS | 298 | $43K |
| Life insurance | STANDARD INSURANCE COMPANY | 406 | $83K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 173 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.