| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCALL AGENCY INC3 Filed as: THE MCCALL AGENCY | 1120 20TH PLACE VERO BEACH, FL 329605362 | BLUE CROSS BLUE SHIELD OF FLORIDA | $36K | — | $36K | 1.14% |
| THE MC CALL AGENCY INC3 | 1120 20TH PLACE VERO BEACH, FL 329605362 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 10.50% |
| TRULA A. DONLEY3 | P.O. BOX 1451 WINTER HAVEN, FL 338821451 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| DONLEY AND DAVIS INS GRP INC3 Filed as: DONLEY AND DAVIS INSURANCE GROUP | P.O. BOX 1451 WINTER HAVEN, FL 338821451 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 10.00% |
| TRULA A. DONLEY3 | P.O. BOX 1451 WINTER HAVEN, FL 338821451 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $804 | — | $804 | 7.50% |
| STANLEY A DICKINSON3 | 1353 PALMETTO AVENUE SUITE 250 WINTER PARK, FL 32789 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| DONLEY AND DAVIS INS GRP INC3 Filed as: DONLEY AND DAVIS INSURANCE GROUP | P.O.BOX 1451 WINTER HAVEN, FL 338821451 | AMERITAS LIFE INSURANCE CORP. | $754 | — | $754 | 10.01% |
| STANLEY A DICKINSON3 | 1353 PALMETTO AVENUE SUITE 250 WINTER PARK, FL 32789 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $908 | — | $908 | 15.01% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 262 | $3.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $209K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP. | 59 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $209K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | 27 | $11K |
| Long-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $43K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 262 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.