| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN MIAMI, FL 33166 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $243K | $7K | $251K | 3.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $53K | — | $53K | 0.66% |
| 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 | $8K | — | $8K | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY | $37K | $18K | $55K | 13.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.03% |
| DAVID D HOWES3 Filed as: DAVID D. HOWES | 2401 WILLOW DROP WAY OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $32K | — | $32K | 9.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 13 ORLANDO, FL 32801 | TRUSTMARK INSURANCE COMPANY | $22K | — | $22K | 6.76% |
| HOWES, INC.3 Filed as: HOWES INC. | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 3.04% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP | 255 PREIMERA BOULEVARD SUITE 160 LAKE MARY, FL 32746 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 2.68% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 WEST SR 426 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 2.58% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | TRUSTMARK INSURANCE COMPANY | $56 | — | $56 | 0.02% |
| MURAT TOKAT3 | 14816 SWIFTWATER WAY TAMPA, FL 33625 | TRUSTMARK INSURANCE COMPANY | $45 | — | $45 | 0.01% |
| HOWES, INC.3 | 2461 STATE ROAD 426, SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA | $20K | — | $20K | 20.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | TRANSAMERICA | $4K | — | $4K | 3.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201503 DALLAS, TX 75320 | TRANSAMERICA | $1K | — | $1K | 1.27% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP, LLC | 255 PRIMERA BOULEVARD, SUITE 160 LAKE MARY, FL 32746 | TRANSAMERICA | $1K | — | $1K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | ADVANTICA REINSURANCE COMPANY | $8K | — | $8K | 10.00% |
| HOWES, INC.3 Filed as: HOWES INC. | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 11.27% |
| 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 | $1K | — | $1K | 3.26% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP, LLC | 255 PRIMERA BOULEVARD, SUITE 160 LAKE MARY, FL 32746 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $191 | — | $191 | 0.48% |
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 | 1,069 | 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) | 1,069 | 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 | 1,522 | $8.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,522 | $8.1M |
| Vision | ADVANTICA REINSURANCE COMPANY | 1,145 | $83K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,069 | $738K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,069 | $408K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,069 | $408K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,522 | $8.1M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 2,138 | $891K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,138 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.