| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST US HIGHWAY 90 LAKE CITY, FL 32055 | HEALTH OPTIONS | $36K | $0 | $36K | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST US HIGHWAY 90 LAKE CITY, FL 32055 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | $0 | $26K | 3.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6769 NORTH WICKHAM ROAD, SUITE 107 MELBOURNE, FL 32940 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 16.13% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 1200 EAST TAFT STREET SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 8.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST US HIGHWAY 90 LAKE CITY, FL 32055 | FLORIDA COMBINED LIFE | $6K | $0 | $6K | 10.49% |
| FLORIDA BLUE3 Filed as: MARION SCOTT | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $884 | $0 | $884 | 1.68% |
| CHARLES METZKES3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $344 | $0 | $344 | 0.65% |
| JOSEPH ACOSTA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $73 | $0 | $73 | 0.14% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.00% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 150 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 376 | $138K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 376 | $138K |
| Life insurance | FLORIDA COMBINED LIFE | 551 | $53K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $120K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 150 | $1.8M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 551 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.