Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Acrisure LLC- North Region HealthRxPPO | HealthRxPPO | Pro |
Broker: DKG Insurance and Financial Svcs HealthRxHMO | HealthRxHMO | Pro |
Broker: Lassiter-Ware Inc DentalVisionLifeSTDLTDOther | DentalVisionLifeSTDLTDOther | Pro |
See premium, retention and renewal dates for 3 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Blue Cross Blue Shield of Florida | Pro |
Carrier: Blue Cross Blue Shield of Florida | Pro |
Carrier: Blue Cross Blue Shield of Florida | Pro |
Carrier: Health Options | Pro |
Carrier: Health Options | Pro |
Carrier: Health Options | Pro |
Carrier: The Guardian Life Insurance Company of America | Pro |
Carrier: The Guardian Life Insurance Company of America | Pro |
Carrier: The Guardian Life Insurance Company of America | Pro |
Carrier: The Guardian Life Insurance Company of America | Pro |
Carrier: The Guardian Life Insurance Company of America | Pro |
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 | 1,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 401 | $13.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,183 | $1.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,183 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,183 | $1.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,183 | $1.1M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,183 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 401 | $13.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,183 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
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 the prior year. Good candidate for re-shopping the carriers.
The primary broker changed. The plan may take a second-look pitch.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.