| 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 | $214K | $0 | $214K | 3.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | TRUSTMARK INSURANCE COMPANY | $21K | $0 | $21K | 6.78% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 WEST SR 426 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $19K | $0 | $19K | 6.06% |
| DAVID D HOWES3 Filed as: DAVID D. HOWES | 2401 WILLOW DROP WAY OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 1.25% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP | 255 PREIMERA BOULEVARD, SUITE 160 LAKE MARY, FL 32746 | TRUSTMARK INSURANCE COMPANY | $600 | $0 | $600 | 0.19% |
| INSURANCE OFFICES OF AMERICA3 | 1855 WEST SR 434 LONGWOOD, FL 32750 | TRUSTMARK INSURANCE COMPANY | $52 | $0 | $52 | 0.02% |
| MURAT TOKAT3 | 7977 BIG CREEK PLACE COLUMBUS, GA 31904 | TRUSTMARK INSURANCE COMPANY | $15 | $0 | $15 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY | $37K | $0 | $37K | 12.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ADVANTICA INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.65% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.97% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.53% |
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 | 500 | 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) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,176 | $6.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,176 | $6.7M |
| Vision | ADVANTICA INSURANCE COMPANY | 844 | $69K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 735 | $612K |
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 735 | $612K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 735 | $303K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,176 | $6.7M |
| Other(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,176 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,176 | — |
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.