| 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 | $108K | $0 | $108K | 10.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 2.30% |
| US BENTEC WORKPLACE SOLUTIONS3 | 5550 GLADES ROAD, SUITE 308 BOCA RATON, FL 33431 | TRUSTMARK INSURANCE COMPANY | $781 | $0 | $781 | 0.94% |
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 201 NORTH NEW YORK AVENUE SUITE 201 WINTER PARK, FL 32789 | TRUSTMARK INSURANCE COMPANY | $65 | $0 | $65 | 0.08% |
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 201 NORTH NEW YORK AVENUE SUITE 201 WINTER PARK, FL 32789 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 7.32% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF ALABAMA | 868 | $6.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $1.0M |
| Vision | HUMANA INSURANCE COMPANY | 350 | $43K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $1.0M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $1.0M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $1.0M |
| Prescription drug | BLUECROSS AND BLUESHIELD OF ALABAMA | 868 | $6.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.