| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST U.S. HIGHWAY 90 LAKE CITY, FL 32055 | BLUE CROSS BLUE SHIELD OF FLORIDA | $44K | $0 | $44K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST U.S. HIGHWAY 90 LAKE CITY, FL 32055 | HEALTH OPTIONS | $24K | $0 | $24K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST U.S. HIGHWAY 90 LAKE CITY, FL 32055 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | $0 | $21K | 5.66% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 625 A1A NORTH PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | $0 | $5K | 1.32% |
| ROBERT FINK3 Filed as: ROBERT D. FINK AND ASSOC. INS. CTR. | 990 GREENSBURG PIKE EAST PITTSBURGH, PA 15112 | HIGHMARK INC. | $4K | $0 | $4K | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | HIGHMARK INC. | $2K | $0 | $2K | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 13.37% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 1200 EAST TAFT STREET SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6769 NORTH WICKHAM ROAD, SUITE 107 MELBOURNE, FL 32940 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST U.S. HIGHWAY 90 LAKE CITY, FL 32055 | FLORIDA COMBINED LIFE | $8K | $0 | $8K | 14.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10199 SOUTHSIDE BOULEVARD SUITE 102 JACKSONVILLE, FL 32256 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 16.38% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND, SUITE 210 SAINT AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $562 | $652 | $1K | 7.82% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: U.S. BENTEC WORKPLACE SOLUTIONS | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.98% |
| ROBERT HUNTER WHITTINGTON3 | 700 WEST HILLSBORO BOULEVARD BUILDING 2, SUITE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $277 | $0 | $277 | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $95 | $95 | 0.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $763 | $0 | $763 | 5.32% |
| NEIL SAHENE3 | 270 NORTH WASHINGTON ROAD WEST SUNBURY, PA 16661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $615 | $0 | $615 | 4.29% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH, LLC | 244 BOULEVARD OF THE ALLIES PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | $0 | $6 | 0.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS, INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $240 | $1K | 12.00% |
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 | 642 | 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) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 642 | $2.6M |
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 424 | $174K |
| Vision(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 424 | $174K |
| Life insurance(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 60 | $71K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $166K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $166K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 642 | $2.5M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.