| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST US HIGHWAY 90 LAKE CITY, FL 32055 | BLUE CROSS BLUE SHIELD OF FLORIDA | $42K | $0 | $42K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST US HIGHWAY 90 LAKE CITY, FL 32055 | HEALTH OPTIONS, INC. | $33K | $0 | $33K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 9.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HIGHMARK INC. | $6K | $0 | $6K | 4.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $22K | $10K | $32K | 24.81% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 700 WEST HILLSBORO BOULEVARD SUITE 2-102 DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 7.06% |
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 | 714 | 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) | 714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 170 | $2.8M |
| Dental | STANDARD INSURANCE COMPANY | 708 | $262K |
| Vision | STANDARD INSURANCE COMPANY | 708 | $262K |
| Life insurance | STANDARD INSURANCE COMPANY | 708 | $262K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 161 | $131K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 161 | $131K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 170 | $2.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 708 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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."
No prospect flags tripped on this filing.