| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $209K | $0 | $209K | 3.46% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROUTE 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $23K | $0 | $23K | 7.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE, SUITE 13 ORLANDO, FL 32801 | TRUSTMARK INSURANCE COMPANY | $18K | $0 | $18K | 5.83% |
| DAVID D HOWES3 Filed as: DAVID D. HOWES | 2401 WILLOW DROP WAY OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 1.51% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP | 255 PREIMERA BOULEVARD, SUITE 160 LAKE MARY, FL 32746 | TRUSTMARK INSURANCE COMPANY | $546 | $0 | $546 | 0.18% |
| INSURANCE OFFICES OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | TRUSTMARK INSURANCE COMPANY | $46 | $0 | $46 | 0.02% |
| MURAT TOKAT3 | 5342 WAR ADMIRAL DRIVE WESLEY CHAPEL, FL 33544 | TRUSTMARK INSURANCE COMPANY | $36 | $0 | $36 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3095 ARLINGTON HEIGHTS, IL 60005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $0 | $27K | 10.00% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROUTE 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.69% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.99% |
| DMS FINANCIAL3 Filed as: DMS FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ADVANTICA INSURANCE COMPANY | $4K | $0 | $4K | 9.77% |
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 | 759 | 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) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,295 | $6.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,295 | $6.0M |
| Vision(2 contracts, 2 carriers) | ADVANTICA INSURANCE COMPANY | 932 | $48K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 759 | $567K |
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 759 | $567K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 759 | $266K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,295 | $6.0M |
| Other(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,295 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,295 | — |
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.