| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $30K | $2K | $32K | 5.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3095 ARLINGTON HEIGHTS, IL 60006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | $12K | $56K | 12.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | TRUSTMARK INSURANCE COMPANY | $31K | $0 | $31K | 8.44% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 WEST SR 426 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $14K | $0 | $14K | 3.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 13 ORLANDO, FL 32801 | TRUSTMARK INSURANCE COMPANY | $12K | $0 | $12K | 3.33% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $8K | $0 | $8K | 2.14% |
| DAVID D HOWES3 Filed as: DAVID D. HOWES | 2401 WILLOW DROP WAY OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 0.94% |
| FLORIDA PHOENIX GROUP LLC3 Filed as: FLORIDA PHOENIX GROUP | 255 PREIMERA BOULEVARD, SUITE 160 LAKE MARY, FL 32746 | TRUSTMARK INSURANCE COMPANY | $463 | $0 | $463 | 0.12% |
| INSURANCE OFFICES OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | TRUSTMARK INSURANCE COMPANY | $24 | $0 | $24 | 0.01% |
| MURAT TOKAT3 | 5342 WAR ADMIRAL DRIVE WESLEY CHAPEL, FL 33544 | TRUSTMARK INSURANCE COMPANY | $19 | $0 | $19 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 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 | $9K | $0 | $9K | 14.45% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.98% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CENTER SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.80% |
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 | 801 | 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) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,276 | $606K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,079 | $103K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 801 | $816K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 801 | $816K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 801 | $444K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,166 | $928K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,276 | — |
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.