| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 201 NORTH NEW YORK AVENUE SUITE 201 WINTER PARK, FL 32789 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | $15K | $61K | 11.27% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 WEST HILLSBORO BOULEVARD BUILDING 2-102 DEERFIELD BEACH, FL 33441 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOCKEN, PA 19428 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 3.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 2.96% |
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 21 NORTH NEW YORK AVENUE, SUITE 201 WINTER PARK, FL 32789 | TRUSTMARK INSURANCE COMPANY | $501 | $0 | $501 | 0.53% |
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 1800 PEMBROOK DRIVE, SUITE 360 ORLANDO, FL 32810 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 8.34% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 608 | $3.7M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $545K |
| Vision | HUMANA INSURANCE COMPANY | 225 | $29K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $545K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $545K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $545K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 608 | $3.7M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $641K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.