| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $176K | $2K | $178K | 2.34% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP, LLC | 255 PRIMERA BOULEVARD, SUITE 160 LAKE MARY, FL 32746 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $75K | — | $75K | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 7.00% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP, LLC | 255 PRIMERA BOULEVARD, SUITE 160 LAKE MARY, FL 32746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 3.00% |
| DAVID D HOWES3 | 2401 WILLOW DROP WAY OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $26K | — | $26K | 7.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 13 ORLANDO, FL 32801 | TRUSTMARK INSURANCE COMPANY | $20K | — | $20K | 5.25% |
| HOWES, INC.3 Filed as: HOWES INC. | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 2.70% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP | 255 PREIMERA BOULDEVARD SUITE 160 LAKE MARY, FL 32746 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 2.25% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | TRUSTMARK INSURANCE COMPANY | $61 | — | $61 | 0.02% |
| MURAT TOKAT3 | 14816 SWIFTWATER WAY TAMPA, FL 33625 | TRUSTMARK INSURANCE COMPANY | $49 | — | $49 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4904 EISENHOWER BOULEVARD SUITE 250 TAMPA, FL 33634 | ADVANTICA REINSURANCE COMPANY | $8K | — | $8K | 7.00% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP, LLC | 255 PRIMERA BOULEVARD, SUITE 160 LAKE MARY, FL 32746 | ADVANTICA REINSURANCE COMPANY | $3K | — | $3K | 3.00% |
| HOWES, INC.3 | 2461 STATE ROAD 426, SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA | $23K | — | $23K | 24.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | TRANSAMERICA | $5K | — | $5K | 4.76% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP, LLC | 255 PRIMERA BOULEVARD, SUITE 160 LAKE MARY, FL 32746 | TRANSAMERICA | $2K | — | $2K | 2.25% |
| HOWES, INC.3 Filed as: HOWES INC. | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 15.90% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATION CIRCLE SUITE 1005 BOCA RATON, FL 33428 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 6151 LAKE OSPREY DRIVE, 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 3.69% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP, LLC | 255 PRIMERA BOULEVARD, SUITE 160 LAKE MARY, FL 32746 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $705 | — | $705 | 1.57% |
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 | 1,410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,879 | $7.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,879 | $7.6M |
| Vision | ADVANTICA REINSURANCE COMPANY | 1,384 | $113K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,444 | $852K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,444 | $480K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,444 | $480K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,879 | $7.6M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,879 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,879 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.