| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NJT CONSULTANTS, LLC3 | 310 LONESOME PINE DR LONGWOOD, FL 32779 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 2.54% |
| TREISE, NATA JOANNE3 | 310 LONESOME PINE DR LONGWOOD, FL 32779 | AMERITAS LIFE INSURANCE CORPORATION | $9K | — | $9K | 10.00% |
| SEE ATTACHED | — | AFLAC | $4K | $168 | $4K | 14.72% |
| SEE ATTACHED | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 41.02% |
| TREISE, NATA JOANNE3 | 300 PARK AVENUE SOUTH SUITE 200 WINTER PARK, FL 32789 | ASSURANT EMPLOYEE BENEFITS | $3K | — | $3K | 15.00% |
| INSURANCE AFFILIATES AGENCY LL3 | 300 PARK AVENUE SOUTH SUITE 200 WINTER PARK, FL 32879 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.99% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 133 | $943K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 130 | $89K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 38 | $12K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 45 | $37K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 55 | $67K |
| Long-term disability(3 contracts, 3 carriers) | AFLAC | 79 | $64K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 133 | $943K |
| Other(3 contracts, 3 carriers) | AFLAC | 55 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.