| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVSIORS LLC3 | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | BLUE CROSS BLUE SHIELD OF FL | $37K | — | $37K | 2.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC. | 1401 FORUM WAY #400 WEST PALM BEACH, FL 33401 | BLUE CROSS BLUE SHIELD OF FL | $18K | — | $18K | 1.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC. | 1661 WORTHINGTON RD STE 175 WEST PALM BEACH, FL 33409 | BLUE CROSS BLUE SHIELD OF FL | $11K | — | $11K | 0.86% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | HEALTH OPTIONS, INC. | $7K | — | $7K | 2.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC. | 1401 FORUM WAY #400 WEST PALM BEACH, FL 33401 | HEALTH OPTIONS, INC. | $3K | — | $3K | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC. | 1661 WORTHINGTON RD #175 WEST PALM BEACH, FL 33409 | HEALTH OPTIONS, INC. | $2K | — | $2K | 0.88% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $571 | $7K | 6.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 1661 WORTHINGTON RD SUITE 175 WEST PALM BEACH, FL 33409 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $1K | $7K | 5.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 1401 FORUM WAY #400 WEST PALM BEACH, FL 33401 | GUARDIAN LIFE INSURANCE COMPANY | $109 | — | $109 | 0.09% |
| MULTIPLE BROKERS (SEE APPENDIX)3 | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $14K | $635 | $15K | 13.44% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| AP BENEFIT ADVSIORS LLC3 | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 4.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC. | 1661 WORTHINGTON RD #175 WEST PALM BEACH, FL 33409 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 3.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC. | WORTHINGTON RD STE 175 WEST PALM BEACH, FL 33409 | USABLE LIFE | $1K | — | $1K | 47.43% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21030 | USABLE LIFE | $1K | — | $1K | 44.12% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF FL | 4800 DEERWOOD CAMPUS PKWY JACKSONVILLE, FL 32246 | USABLE LIFE | $238 | — | $238 | 8.45% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FL | 120 | $1.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 154 | $118K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 154 | $118K |
| Life insurance | USABLE LIFE | 220 | $3K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 154 | $118K |
| Prescription drug | HEALTH OPTIONS, INC. | 22 | $232K |
| Other(3 contracts, 3 carriers) | AFLAC | 220 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.